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AMCO INSURANCE COMPANY 1100 LOCUST ST DEPT 1100 DES MOINES 1A 50391 2000 COMMERCIAL GENERAL LIABILITY SCHEDULE OF INSUREDS POLICY Number ACP GLAO3028548677 POLICY Named insured NUSSBECK PROPERTIES LLC Period From 01 01 18 To 01 01 19 Insured Names 001 NUSSBECK PROPERTIES LLC AMCO INSURANCE COMPANY 1100 LOCUST ST DEPT 1100 DES MOINES 1A 50391 2000 COMMERCIAL GENERAL LIABILITY SCHEDULE OF INSUREDS POLICY Number ACP GLAO3028548677 POLICY Named insured NUSSBECK PROPERTIES LLC Period From 01 01 18 To 01 01 19 Insured Names 001 NUSSBECK PROPERTIES LLC 002 NUSSBECK PROPERTIES 1 INC GL DI 06 90 DIRECT BILL L7BK 17362 INSURED COPY ACP GLAO 3028548677 928943783 43 0006813 | 2 |
AMCO INSURANCE COMPANY 1100 LOCUST ST DEPT 11 DES MOINES 1A 50391 2000 1 515 280 4211 AMCO INSURANCE COMPANY 1100 LOCUST ST DEPT 11 DES MOINES 1A 50391 2000 1 515 280 4211 COMMERCIAL GENERAL LIABILITY FORMS AND ENDORSEMENTS Number ACP GLAO 3028548677 Period From 010118 To 010119 Number ACP GLAO 3028548677 Named Insured NUSSBECK PROPERTIES LLC Form Date Title CG0001 0413 COMMERCIAL GENERAL LIABILITY COVERAGE FORM CG2106 0514 EXCLUSION ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION CG2144 0798 LIMITATION OF COVERAGE TO DESIGNATED PREMISES OR PROJECT CG2147 1207 EMPLOYMENT RELATED PRACTICES EXCLUSION CG2167 1204 FUNGI OR BACTERIA EXCLUSION CG2170 0115 CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM CG2625 0405 MISSOURI CHANGE GUARANTY ASSOCIATION CG2650 0413 MISSOURI CHANGES MEDICAL PAYMENTS CG7023 1096 EXCL ASBESTOS ELECTRO MAGNETIC RADIATION LEAD AND RADON CG7033 0393 TWO OR MORE COVERAGE FORMS OR POLICIES ISSUED BY US CG7212 1216 COMMERCIAL GENERAL LIABILITY COVERAGE ENHANCEMENT ENDORSEMENT INCLUDING ME CG7322 0215 DEFINITIONS OF POLLUTANTS 1L0017 1198 COMMON POLICY CONDITIONS L0021 0908 NUCLEAR ENERGY LIABILITY EXCLUSION 1L0274 0213 MISSOURI CHANGES CANCELLATION AND NONRENEWAL IMPORTANT NOTICES IN5017 IN7631 IN7809 0593 IMPORTANT NOTICE FOR RENEWAL POLICIES 0611 NOTICE TO POLICY HOLDERS 1115 DATA BREACH IDENTITY RECOVERY SERVICES GLDF 02 93 DIRECT BILL L7BK 17362 INSURED COPY ACP GLAO 3028548677 928943783 43 0006814 | 2 |
CG 21 44 07 98 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITATION OF COVERAGE TO DESIGNATED PREMISES OR PROJECT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART. SCHEDULE Premises ALL LOCATIONS SPECIFICALLY SCHEDULED ON THE POLICY Project If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. This insurance applies only to bodily injury penses arising out of property damage personal and advertising injury and medical ex 1. The ownership maintenance or use of the premises shown in the Schedule and operations necessary or incidental to those premises or 2. The project shown in the Schedule. Copyright Insurance Services Office Inc. 1997 CG 21 44 07 98 ACP GLAO3028548677 L7BK 17362 INSURED COPY nan nan nan nan 43.0 6815.0 | 2 |
POLICY NUMBER ACP GLAO3028548677 L7BK 17362 POLICY NUMBER COMMERCIAL GENERAL LIABILITY CG 73220215 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEFINITION OF POLLUTANTS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTEGTIVE LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SCHEDULE Specifically identified substances or materials NO ADDITIONAL SPECIFIC SUBSTANCES OR MATERIALS IDENTIFIED The definition of pollutants is replaced by the follow ing Pollutants means any organic or inorganic sub stance or material that is a solid liquid gaseous or thermal irritant or contaminant including but not lim ited to smoke vapor soot fumes acids alkalis chemicals fibers particles sludge by products waste as currently defined at 40 C.F.R. 261.2 and 261.3 and as may be amended and any substanc es or malerials identified in the Schedule. Waste includes without limitation materials that have been or are 10 be recycled reconditioned or reclaimed. Pollutants includes but is not limited 1o adhesives ammonia and ammonia solutions chemicals used in dry cleaning operations including but not limited to halogenated organic solvents e.g. perchloraethylene or otherwise known as tetrachloroethene perc or PCE petroleum based solvents glycol ether based solvents silicon based solvents liquid carbon dioxide solvent detergents other agents for sizing and spot ting bleaches agents used 1o adjust the properties of solvents e.g. neutralizing agents and anti foaming agents and chemicals used in the cleaning and maintenance of dry cleaning equipment cleaning sclutions delergents soaps and solvents coatings finishes and sealants including but not limited to lacquer paints polishes resins shellac vamish and wax dyes inks and stains mercury and compounds containing mercury including but not limited to methylmercury dimethylmercury ethylmercury poly chlorinated biphenyls ketones all compounds and CG 73220215 Includes copyrighted material of Insurance Services Office Inc. isomers including but not limited to acetone methyl acetone cyclohexanone diethyl ketone ethyl methyl ketone methyl isobutyl ketone methyl isopropyl ke tone methy propyl ketone methyl vinyl ketone me thyl propanone fertilizer and soil amendments fungi cides herbicides insecticides and pesticides gar bage refuse and trash including but not limited to household commercial industrial sewage biologicalwaste inerl gases natural gas nalural gas by products and natural gas derivatives including but not limited to butane propane LPG petroleum petroleum by products and petroleum distillates in cluding but not limited 1o diesel fuel gasoline heat ing oil kerosene grease lubricants propane LPG motor oil mineral oil mineral spirils tar asphall naphtha and naphtha compounds brake fluid glycol mineral oil or silicon based coolants including but not limited to ethylene glycol and propylene glycol hydraulic fluid composed of mineral oil or natural oil base stocks transmission fluid mineral oil or synthet ic exhaust particulate matter and gases including but not limited to carbon dioxide carbon monoxide hydrocarbons nitrogen oxides ozone refrigerants including but not limited to anhydrous ammonia any chlorofluorocarbons hydro chlorofluorocarbons perfluorocarbons wood preservatives including but not limited 1o alkaline copper quat creosote chromated copper arsenate pentachlorophenol alcohols bromine and compounds of bromine chlo rine and compounds of chlorine fluorine and com pounds of fluorine metals and compounds of metal including but not limited to arsenic cadmium chro mium copper thallium selenium brine peroxides Page 10f 2 with ils permission. INSURED COPY 43 0006816 DUBSTANCES OR | 2 |
CG73220215 nano fibers particles and tubes and radioactive mate rial. In addition pollutants includes but is not limited 1o hazardous substances listed in the Comprehensive Environmental Response Compensation And Liabil ity Act CERCLA 2007 Priority List and any future priority lists list of hazardous wastes in the Federal Code of Regulations Title 40 261.30 261.35 U.S. Environmental Protection Agency Chemical Refer ences Complete Index and U.S. Department of Health And Human Services Agency For Toxic Sub slances and any other substance which has been is or becomes in the future the subject of any law stat ute regulation ordinance or other governmental enactment concerning the presence of toxic hazard ous damaging or harmful substances in the soll air atmosphere biota or water whether indoors or oul above at or below ground level or is alleged to be toxic hazardous damaging or harmful to human health or to the soil air atmosphere biota or water whether indoors or out above at or below ground level. COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART The definition of pollutants applies whether or not the pollutant has any function in your business operations premises site or location. RAILROAD PROTECTIVE LIABILITY COVERAGE PART The definition of pollutants applies whether or not the pollutant has any function in your business operations or job location CG73220215 nano fibers particles and tubes and radioactive mate rial. In addition pollutants includes but is not limited 1o hazardous substances listed in the Comprehensive Environmental Response Compensation And Liabil ity Act CERCLA 2007 Priority List and any future priority lists list of hazardous wastes in the Federal Code of Regulations Title 40 261.30 261.35 U.S. Environmental Protection Agency Chemical Refer ences Complete Index and U.S. Department of Health And Human Services Agency For Toxic Sub slances and any other substance which has been is or becomes in the future the subject of any law stat ute regulation ordinance or other governmental enactment concerning the presence of toxic hazard ous damaging or harmful substances in the soll air atmosphere biota or water whether indoors or oul above at or below ground level or is alleged to be toxic hazardous damaging or harmful to human health or to the soil air atmosphere biota or water whether indoors or out above at or below ground level. COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART The definition of pollutants applies whether or not the pollutant has any function in your business operations premises site or location. RAILROAD PROTECTIVE LIABILITY COVERAGE PART The definition of pollutants applies whether or not the pollutant has any function in your business operations or job location All terms and conditions of this policy apply unless modified by this endorsement. Page 2 of 2 ACP GLA03028548677 Includes copyrighted material of Insurance Services Office Inc. with its permission. L7BK 17362 INSURED COPY CG73220215 43 0006817 | 2 |
COMMERCIAL GENERAL LIABILITY CG 00010413 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what Is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the company providing this Insurance. The word insured means any person or organization qualifying as such under Section Il Who Is An Insured. Other words and phrases that appear in quotation ks have special meaning. Refer to Section V 2 The bodily injury or property damage occurs during the policy period and Prior to the policy period no insured listed under Paragraph 1. of Section Il Who Is An Insured and no employee authorized by you to give or receive notice of an occurrence or claim knew that the bodily injury or property damage had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy period that the bodily injury or property damage occurred then any continuation change or resumption of such bodily injury or property damage during or after the policy period will be deemed to COMMERCIAL GENERAL LIABILITY CG 00010413 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what Is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the company providing this Insurance. The word insured means any person or organization qualifying as such under Section Il Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V Definitions. SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily Injury or property damage to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for bodily Injury or property damage to which this insurance does not apply. We may at our discretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described In Section I Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services Is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to bodily injury and property damage only if 1 The bodily injury or property damage is caused by an occurrence that takes place in the coverage territory 2 The bodily injury or property damage occurs during the policy period and Prior to the policy period no insured listed under Paragraph 1. of Section Il Who Is An Insured and no employee authorized by you to give or receive notice of an occurrence or claim knew that the bodily injury or property damage had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy period that the bodily injury or property damage occurred then any continuation change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period. c. Bodily injury or property damage which occurs during the policy period and was not prior to the policy period known to have occurred by any insured listed under Paragraph 1. of Section It Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim includes any continuation change or resumption of that bodily injury or property damage after the end of the policy period. d. Bodily injury or property damage will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim 1 Reports all or any part of the bodily injury or property damage to us or any other insurer 2 Receives a written or verbal demand or claim for damages because of the bodily injury or property damage or 3 Becomes aware by any other means that bodily injury or property damage has occurred or has begun to occur. e. Damages because of bodily injury include damages claimed by any person or organization for care loss of services or death resulting at any time from the bodily injury. CG 00010413 Insurance Services Office Inc. 2012 Page 1 of 16 | 0 |
CG 00010413 2. Exclusions This insurance does not apply to a. Expected Or Intended Injury This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supervision hiring employment Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property.. Contractual Liability Bodily injury or property damage for which the Insured is obligated to pay damages by reason of the assumption of liability In a contract or agreement. This exclusion does not apply to liability for damages 1 That the insured would have in the absence of the contract ar anreamant nr training or monitoring of others by that insured or b Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraph 1 2 or 3 above. However this exclusion applies only if you are in jhs busmess of manufacturing distributing CG 00010413 2. Exclusions This insurance does not apply to a. Expected Or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property. b. Contractual Liability Bodily injury or property damage for which the Insured is obligated to pay damages by reason of the assumption of liability In a contract or agreement. This exclusion does not apply to liability for damages 1 That the insured would have in the absence of the contract or agreement or 2 Assumed in a contract or agreement that is n insured contract provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an insured contract reasonable attorneys fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of bodily injury or property damage provided a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and b Such attorneys fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability Bodily injury or property damage for which any insured may be held liable by reason of 1 Causing or contributing to the intoxication of any person 2 The furnishing of alcoholic beverages to a person under the legal drinking age or under the Influence of alcohol or 3 Any statute ordinance or regulation relating to the sale gift distribution or use of alcoholic beverages. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supervision hiring employment training or monitoring of others by that insured or b Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraph 1 2 or 3 above. However this exclusion applies only if you are in the business of manufacturing distributing selling serving or furnishing alcoholic beverages. For the purposes of this exclusion permitting a person to bring alcoholic beverages on your premises for consumption on your premises whether or not a fee is charged or a license is required for such activity is not by itself considered the business of selling serving or furnishing alcoholic beverages.. Workers Compensation And Similar Laws Any obligation of the insured under a workers compensation disability benefits or unemployment compensation law or any similar law.. Employer s Liability Bodily injury to 1 An employee of the insured arising out of and in the course of a Employment by the insured or b Performing duties related to the conduct of the insured s business or 2 The spouss child parent brother or sister of that employee as a consequence of Paragraph 1 above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an insured contract. Insurance Services Office Inc. 2012 Page 2 of 16 CG 00010413 | 1 |
CG00010413 CG 00010413 d At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the poliutants are brought on or to the premises site or location in connection with such operations by such insured contractor or subcontractor. However this subparagraph does not apply to i Bodily injury or property damage arising out of the escape of fuels lubricants or other operating fluids which are needed to perform the normal electrical hydraulic or mechanical functions necessary for the operation of mobile equipment or its parts if such fuels lubricants or other operating fluids escape from a vehicle part designed to hold store or receive them. This exception does not apply if the bodily injury or property damage arises out of the Intentional discharge dispersal or release of the fuels lubricants or other operating fluids or if such fuels Iubricants or other operating fluids are brought on or to the premises site or location with the intent that they be discharged dispersed or released as part of the operations being performed by such Insured contractor or subcontractor ii Bodily injury or property damage sustained within a building and caused by the release of gases fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor or iii Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire. e At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants. f. Pollution 1 Bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants a At or from any premises site or location which is or was at any time owned or occupied by or rented or loaned to any insured. However this subparagraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot produced by or originating from equipment that is used to heat cool or dehumidify the building or equipment that is used to heat water for personal use by the building s occupants or their guests iiy Bodily injury or property damage for which you may be held liable if you are a contractor and the owner or lessee of such premises site or location has been added to your policy as an additional insured with respect to your ongoing operations performed for that additional insured at that premises site or location and such premises site or location Is not and never was owned or occupied by or rented or loaned to any insured other than that additional insured or iii Bodily injury or property damage b arising out of heat smoke or fumes from a hostile fire At or from any premises site or location which is or was at any time used by or for any insured or others for the handling storage disposal processing or treatment of waste Which are or were at any time transported handled stored treated disposed of or processed as waste by or for i Any insured or ii Any person or organization for whom you may be legally responsible or Insurance Services Office Inc. 2012 Page 3 of 16 CG 00010413 | 1 |
CG 00010413 2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. However this paragraph does not apply to liability for damages because of property damage that the insured would have in the absence of such request demand order or statutory or regulatory requirement or such claim or suit by or on behalf of a governmental authority. g. Aircraft Auto Or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing In the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage Involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 26 feet long and b Not being used to carry persons or property for a charge 3 Parking an auto on or on the ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured 4 Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft or b 5 Bodily injury or property damage arising out of a The operation of machinery or equipment that is attached to or part of a land vehicle that would qualify under the definition of mobile equipment if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged or The operation of any of the machinery or equipment listed in Paragraph f.2 or f.3 of the definiton of mobile equipment. h. Mobile Equipment Bodily injury or property damage arising out of b 1 The transportation of mobile equipment by an auto owned or operated by or rented or loaned to any insured or 2 The use of mobile equipment in or while in practice for or while being prepared for any prearranged racing speed demolition or stunting activity. i. War Bodily injury or property damage however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. j. Damage To Property Property damage to 1 Property you own rent or occupy including any costs or expenses incurred by you or any other person organization or entity for repair replacement enhancement restoration or maintenance of such property for any reason including prevention of injury to a person or damage to another s property 2 Premises you sell give away or abandon if the property damage arises out of any part of those premises 3 Property loaned to you CG 00010413 2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. However this paragraph does not apply to liability for damages because of property damage that the insured would have in the absence of such request demand order or statutory or regulatory requirement or such claim or suit by or on behalf of a governmental authority. g. Aircraft Auto Or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing In the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage Involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 26 feet long and b Not being used to carry persons or property for a charge 3 Parking an auto on or on the ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured 4 Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft or b 5 Bodily injury or property damage arising out of a The operation of machinery or equipment that is attached to or part of a land vehicle that would qualify under the definition of mobile equipment if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged or The operation of any of the machinery or equipment listed in Paragraph f.2 or f.3 of the definiton of mobile equipment. h. Mobile Equipment Bodily injury or property damage arising out of b 1 The transportation of mobile equipment by an auto owned or operated by or rented or loaned to any insured or 2 The use of mobile equipment in or while in practice for or while being prepared for any prearranged racing speed demolition or stunting activity. i. War Bodily injury or property damage however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these.. Damage To Property Property damage to 1 Property you own rent or occupy including any costs or expenses incurred by you or any other person organization or entity for repair replacement enhancement restoration or maintenance of such property for any reason including prevention of injury to a person or damage to another s property 2 Premises you sell give away or abandon if the property damage arises out of any part of those premises 3 Property loaned to you Page 4 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
4 Personal property in the care custody or control of the insured 5 That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations if the property damage arises out of those operations or 6 That particular part of any property that must be restored repaired or replaced because your work was incorrectly performed on it. Paragraphs 1 3 and 4 of this exclusion do CG 00010413 This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to your product or your work after it has been put to its intended use.. Recall Of Products Work Or Impaired Property Damages claimed for any loss cost or expense incurred by you or others for the loss of use withdrawal recall inspection repair replacement adjustment removal or disposal of 1 Your product CG 00010413 This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to your product or your work after it has been put to its intended use.. Recall Of Products Work Or Impaired Property Damages claimed for any loss cost or expense incurred by you or others for the loss of use withdrawal recall inspection repair replacement adjustment removal or disposal of 1 Your product 2 Your work or 3 lmpaired property if such product work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect deficiency inadequacy or dangerous condition in it.. Personal And Advettising Injury Bodily injury arising out of personal and advertising injury.. Electronic Data Damages arising out of the loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. However this exclusion does not apply to liability for damages because of bodily injury. As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMSs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment.. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or 4 Personal property in the care custody or control of the insured 5 That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations if the property damage arises out of those operations or 6 That particular part of any property that must be restored repaired or replaced because your work was incorrectly performed on it. Paragraphs 1 3 and 4 of this exclusion do not apply to property damage other than damage by fire to premises including the contents of such premises rented to you for a period of seven or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section It Limits Of Insurance. Paragraph 2 of this exclusion does not apply if the premises are your work and were never occupied rented or held for rental by you. Paragraphs 3 4 5 and 6 of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph 6 of this exclusion does not apply to property damage included in the products completed operations hazard. Damage To Your Product Property damage to your product arising out of it or any part of it.. Damage To Your Work Property damage to your work arising out of it or any part of it and included in the products completed operations hazard. This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor.. Damage To Impaired Property Or Property Not Physically Injured Property damage to impaired property or property that has not been physically injured arising out of 1 A defect deficiency inadequacy or dangerous condition in your product or your work o 2 A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. CG 00010413 Insurance Services Office Inc. 2012 Page 5 of 16 | 1 |
CG 00010413 CG 000104 13 4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. Exclusions. through n. do not apply to damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section Il Limits Of Insurance. COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of personal and advertising injury to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for personal and advertising injury to which this insurance does not apply. We may at our discretion investigate any offense and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Hl Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to personal and advertising injury caused by an offense arising out of your business but only if the offense was committed in the coverage territory during the policy period. 2. Exclusions This insurance does not apply to a. Knowing Violation Of Rights Of Another Personal and advertising Injury caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict personal and advertising injury. b. Material Published With Knowledge Of Falsity Personal and advertising injury arising out of oral or written publication in any manner of material if done by or at the direction of the insured with knowledge of its falsity.. Material Published Prior To Policy Period Personal and advertising injury arising out of oral or written publication in any manner of material whose first publication took place before the beginning of the policy period. d. Criminal Acts Personal and advertising injury arising out of a criminal act committed by or at the direction of the insured. e. Contractual Liability Personal and advertising injury for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement. f. Breach Of Contract Personal and advertising injury arising out of a breach of contract except an Implied contract to use another s advertising idea in your advertisement. g. Quality Or Performance Of Goods Failure To Conform To Statements Personal and advertising injury arising out of the failure of goods products or services to conform with any statement of quality or performance made in your advertisement. h. Wrong Description Of Prices Personal and advertising injury arising out of the wrong description of the price of goods products or services stated in your advertisement. Page 6 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
CG 00010413 CG 00010413 n. Pollution related Any loss cost or expense arising out of any 1 Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of poliutants or 2 Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. 0. War Personal and advertising injury however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. p. Recording And Distribution Of Material Or Information In Violation Of Law Personal and advertising injury arising directly or indirectly out of any action or omission that violates or s alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or 4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or Information. 3 i. Infringement Of Copyright Patent Trademark Or Trade Secret Personal and advertising injury arising out of the infringement of copyright patent trademark trade secret or other intellectual property rights. Under this exclusion such other intellectual property rights do not include the use of another s advertising idea in your advertisement. However this exclusion does not apply to infringement in your advertisement of copyright trade dress or slogan. Insureds In Media And Internet Type Businesses Personal and advertising injl an insured whose business 1 Advertising broadcasting publishing or telecasting 2 Designing or determining content of web sites for others or 3 An Internet search access content or service provider. However this exclusion does not apply to Paragraphs 14.a. b. and c. of personal and advertising injury under the Definitions section. For the purposes of this exclusion the placing of frames borders or links or advertising for you or others anywhere on the Internet is not by itself considered the business of advertising broadcasting publishing or telecasting. Electronic Chatrooms Or Bulletin Boards Personal and advertising injury arising out of an electronic chatroom or bulletin board the insured hosts owns or over which the insured exercises control.. Unauthorized Use Of Another s Name Or Product Personal and advertising injury arising out of the unauthorized use of another s name or product in your e mail address domain name or metatag or any other similar tactics to mislead another s potential customers. committed by. Pollution Personal and advertising injury arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants at any time. Insurance Services Office Inc. 2012 Page 7 of 16 CG 00010413 | 1 |
CG 00010413 COVERAGE C MEDICAL PAYMENTS 1. Insuring Agreement a. We will pay medical expenses as described below for bodily injury caused by an accident 1 On premises you own or rent 2 On ways next to premises you own or rent or 3 Because of your operations provided that a The accident takes place in the coverage territory and during the policy period b The expenses are incurred and reported to us within one year of the date of the accident and c The injured person submits to examination at our expense by physicians of our choice as often as we reasonably require. b. We will make these payments regardless of fault. These payments will not exceed the applicable limit of insurance. We will pay reasonable expenses for 1 First aid administered at the time of an accident 2 Necessary medical surgical X ray and dental services including prosthetic devices and 3 Necessary ambulance hospital professional nursing and funeral services. 2. Exclusions We will not pay expenses for bodily injury a. Any Insured To any insured except volunteer workers. b. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured.. Injury On Normally Occupied Premises To a person injured on that part of premises you own or rent that the person normally occuples. 9.. Workers Compensation And Similar Laws To a person whether or not an employee of any insured if benefits for the bodily injury are payable or must be provided under a workers compensation or disability benefits law or a similar law.. Athletics Activities To a person injured while practicing instructing or participating in any physical exercises or games sports or athletic contests.. Products Completed Operations Hazard Included within the products completed operations hazard. Coverage A Exclusions Excluded under Coverage A. SUPPLEMENTARY PAYMENTS COVERAGES A AND B 1. We will pay with respect to any claim we investigate or settle or any suit against an insured we defend a. b. All expenses we incur. Up to 250 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds.. The cost of bonds to release attachments but only for bond amounts within the applicable limit of insurance. We do not have to fumish these bonds.. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit including actual loss of earnings up to 250 a day because of time off from work.. All court costs taxed against the insured in the suit. However these payments do not include attorneys fees or attorneys expenses taxed against the insured.. Prejudgment interest awarded against the Insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance we will not pay any prejudgment interest based on that period of time after the offer. Page 8 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
CG 00010413 So long as the above conditions are met attorneys fees incurred by us in the defense of that indemnitee necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.2 of Section 1 Coverage A Bodily Injury And Property Damage Liability such payments will not be deemed to be damages for bodily injury and property damage and will not reduce the limits of insurance. Our obligation to defend an insured s indemnitee and to pay for attorneys fees and necessary litigation expenses as Supplementary Payments ends when we have used up the applicable limit of insurance in the payment of judgments or settlements or the conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. SECTION il WHO IS AN INSURED 1. If you are designated in the Declarations as a. An individual you and your spouse are insureds but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or Joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. c. A limited liability company you are an insured. Your members are also insureds but only with respect to the conduct of your business. Your managers are insureds but only with respect to their duties as your managers. d. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and directors are Insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. e. A trust you are an insured. Your trustees are also insureds but only with respect to their duties as trustees. g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid offered to pay or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance.. If we defend an insured against a suit and an indemnitee of the insured Is also named as a party to the suit we will defend that indemnitee if all of the following conditions are met a. The suit against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an insured contract b. This insurance applies to such liability assumed by the insured. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by the insured in the same insured contract. The allegations in the suit and the information we know about the occurrence are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee e. The Indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such suit and agree that we can assign the same counsel to defend the insured and the indemnitee and f. The indemnitee 1 Agrees in writing to a Cooperate with us in the investigation settlement or defense of the suit b Immediately send us copies of any demands notices summonses or legal papers received in connection with the o o c Notify any other insurer whose coverage is available to the indemnitee and d Cooperate with us with respect to coordinating other applicable insurance avalilable to the indemnitee and 2 Provides us with written authorization to a Obtain records and other information related to the suit and b Conduct and control the defense of the indemnitee In such suit. Insurance Services Office Inc. 2012 Page 9 of 16 CG 00010413 | 1 |
CG 00010413 2. Each of the following is also an insured a. Your volunteer workers only while performing duties related to the conduct of your business or your employees other than either your executive officers if you are an organization other than a partnership joint venture or limited liability company or your managers if you are a limited liability company but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However none of these c. Any person or organization having proper temporary custody of your property if you die but only 1 With respect to liability arising out of the maintenance or use of that property and 2 Until your legal representative has been appointed. d. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and diutiee uinder thie Caverane Part CG 00010413 2. Each of the following is also an insured a. Your volunteer workers only while performing duties related to the conduct of your business or your employees other than either your executive officers if you are an organization other than a partnership joint venture or limited liability company or your managers if you are a limited liability company but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However none of these employees or volunteer workers are insureds for 1 Bodily injury or personal and advertising injury a To you to your partners or members if you are a partnership or joint venture to your members if you are a limited liability company to a coemployee while in the course of his or her employment or performing duties related to the conduct of your business or to your other volunteer workers while performing duties related to the conduct of your business To the spouse child parent brother or sister of that coemployee or volunteer worker as a consequence of Paragraph 1a above For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph 1a or b above or Arising out of his or her providing or failing to provide professional health care services. 2 Property damage to property a Owned occupied or used by b Rented to in the care custody or control of or over which physical control is being exercised for any purpose by you any of your employees volunteer workers any partner or member if you are a partnership or joint venture or any member if you are a limited liability company. b. Any person other than your employee or volunteer worker or any organization while acting as your real estate manager. b c d c. Any person or organization having proper temporary custody of your property if you die but only 1 With respect to liability arising out of the maintenance or use of that property and 2 Until your legal representative has been appointed. d. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part. 3. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if there Is no other similar insurance available to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period whichever Is earlier b. Coverage A does not apply to bodily injury or property damage that occurred before you acquired or formed the organization and c. Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership joint venture or limited liability company that is not shown as a Named Insured in the Declarations. SECTION lll LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 2. The General Aggregate Limit is the most we will pay for the sum of a. Medical expenses under Coverage C b. Damages under Coverage A except damages because of bodily injury or property damage included in the products completed operations hazard and c. Damages under Coverage B. M Page 10 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
CG 00010413 3 The nature and location of any injury or damage arising out of the occurrence or offense. b. If a claim Is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the claim or suit 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and 4 Assist us upon our request In the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense other than for first aid without our consent.. Legal Action Against Us No person or organization has a right under this Coverage Part a. To join us as a party or otherwise bring us into a suit asking for damages from an insured or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. 3. The Products Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of bodily injury and property damage included in the products completed operations hazard. 4. Subject to Paragraph 2. above the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all personal and advertising injury sustained by any one person or organization. 5. Subject to Paragraph 2. or 3. above whichever applies the Each Occurrence Limit Is the most we will pay for the sum of a. Damages under Coverage A and b. Medical expenses under Coverage C because of all bodily injury and property damage arising out of any one occurrence. 6. Subject to Paragraph 5. above the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of property damage to any one premises while rented to you or in the case of damage by fire while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to Paragraph 5. above the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured s estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence Offense Claim Or Suit a. You must see to it that we are notified as soon as practicable of an occurrence or an offense which may result in a claim. To the extent possible notice should include 1 How when and where the occurrence or offense took place 2 The names and addresses of any injured persons and witnesses and CG 00010413 Insurance Services Office Inc. 2012 Page 11 of 16 | 1 |
s over other share of the exceeds the such other loss in the nd e and self that other loss if any that s not Insurance pecifically to of Insurance is Coverage contribution this method arh inerirar CG 00010413 4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under Coverages A or B of this Coverage Part our obligations are limited as follows a. Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance is primary our obligations are not affected unless any of the other insurance is also primary. Then we will share with all that other Insurance by the method described in Paragraph c. below. b. Excess Insurance 1 This insurance is excess over a Any of the other insurance whether primary excess contingent or on any other basis i That is Fire Extended Coverage Builder s Risk Installation Risk or simitar coverage for your work il That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner ill That is insurance purchased by you to cover your liability as a tenant for property damage to premises rented to you or temporarily occupied by you with permission of the owner or iv If the loss arises out of the maintenance or use of aircraft autos or watercraft to the extent not subject to Exclusion g. of Section Coverage A Bodily Injury And Property Damage Liability. b Any other primary insurance available to you coverting liability for damages arising out of the premises or operations or the products and completed operations for which you have been added as an additional insured. 2 When this Insurance Is excess we will have no duty under Coverages A or B to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entited to the insured s rights against all those other insurers. 3 When this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that exceeds the sum of a The total amount that all such other insurance would pay for the loss in the absence of this Insurance and b The total of all deductible and self insured amounts under all that other insurance. 4 We will share the remaining loss if any with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part.. Method Of Sharing If all of the other insurance permits contribution by equal shares we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. if any of the other insurance does not permit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit a. We will compute all premiums for this Coverage Part in accordance with our rules and rates.. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium we will return the excess to the first Named Insured.. The first Named Insured must keep records of the information we need for premium computation and send us copies at such times as we may request. 6. Representations By accepting this policy you agree a. The statements in the Declarations are accurate and complete CG 00010413 Page 12 of 16 Insurance Setrvices Office Inc. 2012 | 1 |
b. Those statements are based upon representations you made to us and c. We have issued this policy in reliance upon your representations. 7. Separation Of Insureds Except with respect to the Limits of Insurance and any rights or duties specifically assigned in this Coverage Part to the first Named Insured this insurance applies a. As if each Named Insured were the only Named Insured and b. Separately to each insured against whom claim is made or suit is brought. 8. Transfer Of Rights Of Recovery Against Others ToUs If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The insured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. 9. When We Do Not Renew If we decide not to renew this Coverage Part we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed proof of mailing will be sufficient proof of notice. SECTION V DEFINITIONS 1. Advertisement means a notice that is broadcast or published to the general public or specific market segments about your goods products or services for the purpose of attracting customers or supporters. For the purposes of this definition a. Notices that are published include material placed on the Internet or on similar electronic means of communication and b. Regarding web sites only that part of a web site that is about your goods products or services for the purposes of attracting customers or supporters is considered an advertisement. 2. Auto means a. A land motor vehicle trailer or semitrailer designed for travel on public roads including any attached machinery or equipment or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. CG 00010413 However auto does not include mobile equipment. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time.. Coverage territory means a. The United States of America including its territories and possessions Puerto Rico and Canada b. International waters or airspace but only if the injury or damage occurs in the course of travel or transportation between any places included in Paragraph a. above or c. All other parts of the world if the injury or damage arises out of 1 Goods or products made or sold by you in the territory described in Paragraph a. above The activities of a person whose home is in the territory described in Paragraph a. above but is away for a short time on your business or 3 Personal and advertising injury offenses that take place through the Internet or similar electronic means of communication provided the insured s responsibility to pay damages is determined in a suit on the merits in the territory described in Paragraph a. above or in a settlement we agree to.. Employee includes a leased worker. Employee does not include a temporary worker. Executive officer means a person holding any of the officer positions created by your charter constitution bylaws or any other similar governing document.. Hostile fire means one which becomes uncontrollable or breaks out from where it was intended to be.. Impaired property means tangible property other than your product or your work that can not be used or s less useful because a. It incorporates your product or your work that is known or thought to be defective deficlent inadequate or dangerous or b. You have falled to fulfill the terms of a contract or agreement if such property can be restored to use by the repair replacement adjustment or removal of your product or your work or your fulfilling the terms of the contract or agreement. CG 00010413 Insurance Services Office Inc. 2012 Page 13 of 16 | 1 |
Page 14 of 16 CG 00010413 9. Insured contract means a. A contract for a lease of premises. However that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract b. A sidetrack agreement. Any easement or license agreement except in connection with construction or demolition operations on or within 50 feet of a railroad d. An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality e. An elevator maintenance agreement That part of any other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury or property damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement 1 That indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations within 50 feet of any raiload property and affecting any railroad bridge or trestle tracks road beds tunnel underpass or crossing That indemnifies an architect engineer or surveyor for injury or damage arising out of a Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications or b Giving directions or instructions or failing to give them if that is the primary cause of the injury or damage or 3 Under which the insured if an architect engineer or surveyor assumes liability for an injury or damage arising out of the insured s rendering or failure to render professional services including those listed in 2 above and supervisory inspection architectural or engineering activities. Insurance Services Office Inc. 2012 10.Leased worker means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. Leased worker does not include a temporary worker. 11.Loading or unloading means the handiing of property a. After it is moved from the place where it is accepted for movement into or onto an aircraft watercraft or auto b. While it is in or on an aircraft watercraft or auto or c. While it is being moved from an aircraft watercraft or auto to the place where it is finally delivered but loading or unloading does not include the movement of property by means of a mechanical device other than a hand truck that is not attached to the aircraft watercraft or auto. 12.Mobile equipment means any of the following types of land vehicles inciuding any attached machinery or equipment a. Bulldozers farm machinery forkiifts and other vehicles designed for use principally off public roads b. Vehicles maintained for use solely on or next to premises you own or rent c. Vehicles that travel on crawler treads d. Vehicles whether self propelled or not maintained primarily to provide mobility to permanently mounted 1 Power cranes shovels loaders diggers or drills or 2 Road construction or resurfacing equipment such as graders scrapers or rollers e. Vehicles not described in Paragraph a. b. c. or d. above that are not self propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types 1 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment or 2 Cherry pickers and similar devices used to raise or lower workers Vehicles not described in Paragraph a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. CG 00010413 CG 00010413 9. Insured contract means a. A contract for a lease of premises. However that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract A sidetrack agreement Any easement or license agreement except in connection with construction or demolition operations on or within 50 feet of a railroad d. An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality An elevator maintenance agreement That part of any other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury or property damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement 1 That indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations within 50 feet of any raiload property and affecting any railroad bridge or trestle tracks road beds tunnel underpass or crossing 2 That indemnifies an architect engineer or surveyor for injury or damage arising out of a Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications or b Giving directions or instructions or failing to give them if that is the primary cause of the injury or damage or 3 Under which the insured if an architect engineer or surveyor assumes liability for an injury or damage arising out of the insured s rendering or failure to render professional services including those listed in 2 above and supervisory inspection architectural or engineering activities. ew 0 10.Leased worker means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. Leased worker does not include a temporary worker. 11.Loading or unloading means the handiing of property a. After it is moved from the place where it is accepted for movement into or onto an aircraft watercraft or auto b. While it is in or on an aircraft watercraft or auto or c. While it is being moved from an aircraft watercraft or auto to the place where it is finally delivered but loading or unloading does not include the movement of property by means of a mechanical device other than a hand truck that is not attached to the aircraft watercraft or auto. 12.Mobile equipment means any of the following types of land vehicles inciuding any attached machinery or equipment a. Bulldozers farm machinery forkiifts and other vehicles designed for use principally off public roads b. Vehicles maintained for use solely on or next to premises you own or rent c. Vehicles that travel on crawler treads d. Vehicles whether self propelled or not maintained primarily to provide mobility to permanently mounted 1 Power cranes shovels loaders diggers or drills or 2 Road construction or resurfacing equipment such as graders scrapers or rollers e. Vehicles not described in Paragraph a. b. c. or d. above that are not self propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types 1 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment or 2 Cherry pickers and similar devices used to raise or lower workers Vehicles not described in Paragraph a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. Page 14 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
However self propelled vehicles with the following types of permanently attached equipment are not mobile equipment but will be considered autos CG 00010413 16.Products completed operations hazard a. Includes all bodily injury and property damage occurring away from premises you own or rent and arising out of your product or CG 00010413 16.Products completed operations hazard a. Includes all bodily injury and property damage occurring away from premises you own or rent and arising out of your product or your work except 1 Products that are still in your physical possession or 2 Work that has not yet been completed or abandoned. However your work will be deemed completed at the earliest of the following times a When all of the work called for in your contract has been completed. When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service maintenance correction repair or replacement but which is otherwise complete will be treated as completed. b. Does not include bodily injury or property damage arising out of 1 The transportation of property unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you and that condition was created by the loading or unloading of that vehicle by any insured 2 The existence of tools uninstalled equipment or abandoned or unused materials or 3 Products or operations for which the classification listed in the Declarations or in a policy Schedule states that products completed operations are subject to the General Aggregate Limit. 17.Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. For the purposes of this insurance electronic data is not tangible property. b However self propelled vehicles with the following types of permanently attached equipment are not mobile equipment but will be considered autos 1 Equipment designed primarily for a Snow removal b Road maintenance but not construction or resurfacing or c Street cleaning 2 Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and 3 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment. However mobile equipment does not include any land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered autos. 13.Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions. 14.Personal and advertising injury means injury including consequential bodily injury arising out of one or more of the following offenses a. False arrest detention or imprisonment b. Malicious prosecution. The wrongful eviction from wrongful entry into or invasion of the right of private occupancy of a room dwelling or premises that a person occupies committed by or on behalf of its owner landlord or lessor d. Oral or written publication in any manner of material that slanders or libels a person or organization or disparages a person s or organization s goods products or services e. Oral or written publication in any manner of material that violates a person s right of privacy f. The use of another s advertising idea in your advertisement or g. Infringing upon another s copyright trade dress or slogan in your advertisement. 15.Pollutants mean any solid liquid gaseous or thermal irritant or contaminant including smoke vapor soot fumes acids alkalis chemicals and waste. Waste includes materials to be recycled reconditioned or reclaimed. Insurance Services Office Inc. 2012 CG 00010413 Page 15 of 16 | 1 |
CG 00010413 As used in this definition electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. 18.Suit means a civil proceeding in which damages b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your product and 2 The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other e h e o e e o g CG 00010413 As used in this definition electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. 18.Suit means a civil proceeding in which damages because of bodily injury property damage or personal and advertising injury to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. 19.Temporary worker means a person who is furnished to you to substitute for a permanent employee on leave or to meet seasonal or short term workload conditions. 20.Volunteer worker means a person who is not your employee and who donates his or her work and acts at the direction of and within the scope of duties determined by you and is not paid a fee salary or other compensation by you or anyone else for their work performed for you. 21.Your product a. Means 1 Any goods or products other than real property manufactured sold handled distributed or disposed of by a You b Others trading under your name or c A person or organization whose business or assets you have acquired and 2 Containers other than vehicles materials parts or equipment furnished in connection with such goods or products. b. Includes 1 Warranties or representations mz time with respect to the fitnes durability performance or use product and 2 The providing of or failure t warnings or instructions. c. Does not include vending machines property rented to or located for ff others but not sold. 22.Your work a. Means 1 Work or operations performed by your behalf and 2 Materials parts or equipment fu connection with such work or oper b. Includes 1 Warranties or representations ma time with respect to the fitnes durability performance or use work and 2 The providing of or failure t warnings or instructions. All terms and conditions of this policy apply unless modified by this endorsement. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your product and 2 The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold. 22.Your work a. Means 1 Work or operations performed by you or on your behalf and 2 Materials parts or equipment furnished in connection with such work or operations. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your work and 2 The providing of or failure to provide warnings or instructions. Page 16 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
COMMERCIAL GENERAL LIABILITY CG 210605 14 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA RELATED LIABILITY WITH LIMITED BODILY INJURY EXCEPTION COMMERCIAL GENERAL LIABILITY CG 210605 14 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA RELATED LIABILITY WITH LIMITED BODILY INJURY EXCEPTION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion 2.p. of Section I Coverage A As used in this exclusion electronic data Bodily Injury And Property Damage Liability is means information facts or programs replaced by the following stored as or on created or used on or 2. Exclusions transmitted to or from computer software This insurance does not apply to p. Access Or Disclosure Of Confidential Or Personal Information And Data related Liability Damages arising out of 1 Any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information or 2 The loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. This exclusion applies even if damages are clamed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of that which is described in Paragraph 1 or 2 above. However unless Paragraph 1 above applies this exclusion does not apply to damages because of bodily injury. including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. B. The following is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Access Or Disclosure Of Confidential Or Personal Information Personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic Information. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of any access to or disclosure of any person s or organization s confidential or personal Tnfmrrratien Ve AT TIAL BRI T AV DAL Tt. of Section I Coverage A And Property Damage Liability is e following S ince does not apply to s Or Disclosure Of Confidential Or 1al Information And Data related y es arising out of access to or disclosure of any s0n s or organization s confidential or sonal information including patents e secrets processing methods tomer lists financial information it card information health rmation or any other type of public information or loss of loss of use of damage to uption of inability to access or ility to manipulate electronic data. clusion applies even if damages are i for notification costs credit ing expenses forensic expenses elations expenses or any other loss expense Incurred by you or others out of that which is described in aph 1 or 2 above. er unless Paragraph 1 above this exclusion does not apply to es because of bodily injury. All terms and conditions apply unless As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. B. The following is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Access Or Disclosure Of Confidential Or Personal Information Personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic Information. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of any access to or disclosure of any person s or organization s confidential or personal information. modified by this endorsement. CG 2106 05 14 Insurance Services Office Inc. 2013 Page 10f 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21471207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section 1 Coverage A Bodily Injury And Property Damage Liability This insurance does not apply to Bodily injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demo tion evaluation reassignment discipline defamation harassment humiliation dis crimination or malicious prosecution di rected at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person 2 Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability This insurance does not apply to Personal and advertising injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or Employment related practices policies acts or omissions such as coercion demo tion evaluation reassignment discipline defamation harassment humiliation dis crimination or malicious prosecution di rected at that person or 2 The spouse child parent brother or sister of that person as a consequence of personal and advertising injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person 2 Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. c All terms and conditions of this policy apply unless modified by this endorsement. added to Paragraph 2. Coverage A Bodily ige Liability ply to any at person person s employment practices policies uch as coercion demo assignment discipline ment humiliation dis cious prosecution di or nt brother or sister of Juence of bodily injury any of the employment bed in Paragraphs a ted. ing event described in c above occurs before iployment or after em ay be liable as an em pacity and hare damages with or ho must pay damages CG 21471207 ISO Properties Inc. 2006 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21671204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria a. Bodily injury or property damage which would not have occurred in whole or in part but for the actual alleged or threat ened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contributed con currently or in any sequence to such injury or damage. b. Any loss cost or expenses arising out of the abating testing for monitoring cleaning up removing containing treating detoxify ing neutralizing remediating or disposing of or in any way responding to or assess ing the effects of fungi or bacteria by any insured or by any other person or entity. This exclusion does not apply to any fungi or bacteria that are are on or are contained in a good or product intended for bodily consump tion. B. The following exclusion is added to Paragraph 2 Exclusions of Section Coverage B Per sonal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria a. Personal and advertising injury which would not have taken place in whole or in part but for the actual alleged or threat ened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contributed con currently or in any sequence to such injury. b. Any loss cost or expense arising out of the abating testing for monitoring cleaning up removing containing treating detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bacteria by any in sured or by any other person or entity. C. The following definition is added to the Definitions Section Fungi means any type or form of fungus includ ing mold or mildew and any mycotoxins spores scents or byproducts produced or released by fungi. All terms and conditions of this policy apply unless modified by this endorsement. COMMERCIAL GENERAL LIABILITY CG 21671204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria a. Bodily injury or property damage which would not have occurred in whole or in part but for the actual alleged or threat ened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contributed con currently or in any sequence to such injury or damage. b. Any loss cost or expenses arising out of the abating testing for monitoring cleaning up removing containing treating detoxify ing neutralizing remediating or disposing of or in any way responding to or assess ing the effects of fungi or bacteria by any insured or by any other person or entity. This exclusion does not apply to any fungi or bacteria that are are on or are contained in a good or product intended for bodily consump tion. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria a. Personal and advertising injury which would not have taken place in whole or in part but for the actual alleged or threat ened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contributed con currently or in any sequence to such injury. b. Any loss cost or expense arising out of the abating testing for monitoring cleaning up removing containing treating detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bacteria by any in sured or by any other person or entity. C. The following definition is added to the Definitions Section Fungi means any type or form of fungus includ ing mold or mildew and any mycotoxins spores scents or byproducts produced or released by fungi. All terms and conditions of this policy apply unless modified by this endorsement. g son age which vhole or in 1 or threat of contact or presence or within a ts contents her cause ibuted con such injury sing out of g cleaning g detoxify r disposing or assess eria by any CG 21671204 Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with permission. ISO Properties Inc. 2004 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21700115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY COMMERCIAL GENERAL LIABILITY CG 21700115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed 100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case Insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. Certified act of terrorism means an act that is certified by the Secretary of the Treasury in accordance with the provisions of the federal Terrorism Risk Insurance Act to be an act of terrorism pursuant to such Act. The criteria contained In the Terrorism Risk Insurance Act for a certified act of terrorism include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terrorism Risk Insurance Act and 2. The act is a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. B. The terms and limitations of any terrorism exclusion or the inapplicability or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. All terms and conditions apply unless modified by this endorsement. 2. The act is a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. B. The terms and limitations of any terrorism exclusion or the inapplicability or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. CG 21700115 Insurance Services Office Inc. 2015 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 26 2504 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI CHANGES GUARANTY ASSOCIATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY MISSOURI PROPERTY AND CASUALTY INSURANCE GUARANTY ASSOCIATION COVERAGE LIMITATIONS A. Subject to the provisions of the Missouri Property and Casualty Insurance Guaranty Association Act to be referred to as the Act if we are a member of the Missouri Property and Casualty Insurance Guaranty Association to be referred to as the As sociation the Association will pay claims covered under the Act if we become insolvent. B. The Act contains various exclusions conditions and limitations that govern a claimant s eligibility to collect payment from the Association and affect the amount of any payment. The following limita tions apply subject to all other provisions of the Act 1. Claims covered by the Association do not include a claim by or against an insured of an insolvent insurer if the insured has a net worth of more than 25 million on the later of the end of the insured s most recent fiscal year or the December thirty first of the year next preceding the date the insurer becomes insolvent pro vided that an insured s net worth on such date shall be deemed to include the aggregate net worth of the insured and all of its affiliates as calculated on a consolidated basis. 2. Payments made by the Association for covered claims will include only that amount of each claim which is less than 300000. However the Association will not 1 Pay an amount in excess of the applicable limit of insurance of the policy from which a claim arises or 2 Retum to an insured any unearned pre mium in excess of 25000. These limitations have no effect on the coverage we will provide under this policy. All terms and conditions of this policy apply unless modified by this endorsement. COMMERCIAL GENERAL LIABILITY CG 26 2504 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI CHANGES GUARANTY ASSOCIATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY MISSOURI PROPERTY AND CASUALTY INSURANCE GUARANTY ASSOCIATION COVERAGE LIMITATIONS A. Subject to the provisions of the Missouri Property and Casualty Insurance Guaranty Association Act to be referred to as the Act if we are a member of the Missouri Property and Casualty Insurance Guaranty Association to be referred to as the As sociation the Association will pay claims covered under the Act if we become insolvent. B. The Act contains various exclusions conditions and limitations that govern a claimant s eligibility to collect payment from the Association and affect the amount of any payment. The following limita tions apply subject to all other provisions of the Act 1. Claims covered by the Association do not include a claim by or against an insured of an insolvent insurer if the insured has a net worth of more than 25 million on the later of the end of the insured s most recent fiscal year or the December thirty first of the year next preceding the date the insurer becomes insolvent pro vided that an insured s net worth on such date shall be deemed to include the aggregate net worth of the insured and all of its affiliates as calculated on a consolidated basis. 2. Payments made by the Association for covered claims will include only that amount of each claim which is less than 300000. However the Association will not 1 Pay an amount in excess of the applicable limit of insurance of the policy from which a claim arises or 2 Retum to an insured any unearned pre mium in excess of 25000. These limitations have no effect on the coverage we will provide under this policy. All terms and conditions of this policy apply unless modified by this endorsement. ISO Properties Inc. 2004 Page 1 of 1 CG 262504 05 | 2 |
COMMERCIAL GENERAI COMMERCIAL GENERAL LIABILITY CG 26500413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI CHANGES MEDICAL PAYMENTS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Paragraph 1.a. of Coverage C Medical Payments is replaced by the following 1. Insuring Agreement a. We will pay medical expenses as described below for bodily injury caused by an accident 1 On premises you own or rent 2 On ways next to premises you own or rent or 3 Because of your operations provided that a The accident takes place in the coverage territory and during the policy period b The expenses are incurred and reported c to us within one year of the date of the accident. However expenses reported to us after one year of the date of the accident will not be denied solely because of the late submission unless such late submission operates to prejudice our rights and The injured person submits to examination at our expense by physicians of our choice as often as we reasonably require. All terms and conditions apply unless modified by this endorsement. b The expenses are incurred and reported c to us within one year of the date of the accident. However expenses reported to us after one year of the date of the accident will not be denied solely because of the late submission unless such late submission operates to prejudice our rights and The injured person submits to examination at our expense by physicians of our choice as often as we reasonably require. CG 26 50 04 13 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ASBESTOS ELECTRO MAGNETIC RADIATION LEAD AND RADON CG 70 23 10 96 CG 70 23 10 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ASBESTOS ELECTRO MAGNETIC RADIATION LEAD AND RADON This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART This policy does not apply to any claims arising out of or alleged to have arisen out of any of the following 1. Asbestos or any asbestos related injury or damage including but not limited to any injury or damage arising out of or alleged to have arisen out of any act error omission failure to warn or failure to disclose the presence of asbestos or other duty involving asbestos its use exposure existence detection removal elimination or avoidance. Electro magnetic emissions or radiation related injury or damage including but not limited to any injury or damage arising out of or alleged to have arisen out of any act error omission failure to warn or other duty in volving any electro magnetic emissions or radiation from use exposure existence detection removal elimi nation or avoidance of electrical energy. Lead or any lead related injury or damage including but not limited to any injury or damage arising out of or alleged to have arisen out of any act error omission failure to warn or other duty involving lead or lead pro ducts their use exposure existence detection removal elimination or avoidance. Radon or any other radioactive emissions manmade or natural or any related injury or damage including but not limited to any injury or damage arising out of or alleged to have arisen out of any act error omission failure to warn or other duty involving radon or any other radioactive emissions their use exposure existence de tection removal elimination or avoidance. We shall not have a duty to defend any insured against a claim or suit seeking damage to which this insurance does not apply. CG 70 23 10 96 | 2 |
CG 70 33 03 93 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ENDORSEMENT TWO OR MORE COVERAGE FORMS OR POLICIES ISSUED BY US This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following condition is added to SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS 10. Two or More Coverage Forms or Policies Issued by Us. If this Coverage Form and any other Coverage Form or policy issued to you by us or any company affiliated with us apply to the same occurrence the aggregate maximum limit of insurance under all the Coverage Forms or policies shall not exceed the highest applicable Limit of Insurance under any one Coverage Form or policy. This condition does not apply to any Coverage Form or policy issued by us or an affiliated company specifically to apply as excess insurance over this Coverage Form. CG 70 33 03 93 | 2 |
COMMERCIAL GENERAL LIABILITY CG72121216 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL GENERAL LIABILITY COVERAGE ENHANCEMENT ENDORSEMENT COMMERCIAL GENERAL LIABILITY CG72121216 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL GENERAL LIABILITY COVERAGE ENHANCEMENT ENDORSEMENT INCLUDING MEDICAL PAYMENTS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 2. Exclusions is amended as follows 1. Paragraph 2a of Exclusion g. Aircraft Auto Or Watercraft is replaced with a Less than 51 feet long and 2. The following is added to Exclusion j. Damage To Property a Paragraphs 3 and 4 does not apply to property damage to borrowed equipment while not in use while at the insured s premises or a job site or b Paragraph 4 does not apply property damage to customers goods while on the insured s premises for the purpose of being worked on or used in a manufacturing process. Limit of Insurance The most we will pay for damages for property damage coverage provided by this coverage in any one occurrence is 10000. Deductible Our obligation to pay for a covered loss applies only to the amount of loss in excess of 500. We will pay the deductible amount to effect settlement of any claim or suit and upon notification of this action having been taken you shall promptly reimburse us for the deductible as has been paid by us. This insurance is excess over any other valid and collectible insurance. 3. The last paragraph of 2. Exclusions is replaced with If Damage To Premises Rented To You is not otherwise excluded exclusions c. through n. do not apply to damage by fire lightning explosion smoke or sprinkler leakage to premises while rented to you or temporarily occupied by you rented to you or temporarily occupied by you CG72121216 Includes copyrighted material of ISO Properties Inc. with its with permission of the owner. A separate limit of insurance applies to this coverage as described in Section IIl Limits of Insurance. SECTION COVERAGES SUPPLEMENTARY PAYMENTS COVERAGES A AND B is amended as follows 1. Paragraph 1. b. is replaced with b. Up to 2500 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. 2. Paragraph 1. d. is replaced with d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit including actual loss of earnings up to 500 a day because of time off from work. SECTION Il WHO IS AN INSURED is amended as follows 1. Paragraph 3. a. is replaced with a. Coverage under this provision is afforded only until the 180 day after you acquire or form the organization or the end of the policy period whichever is earlier 2. The following is added 4. Additional Insured Automatic Status When Required In An Agreement With You Who Is An Insured includes persons or organizations described in Paragraphs a. i. below with whom you have agreed in writing in a contract or agreement that such person or organization be added as an additional insured on your policy. a. Co Owners Of Insured Premises with respect to their liability as co owner of the premises. Page 10f5 permission. CG72121216 | 2 |
CG72121216 However their status as additional insured under this policy ends when you cease to co own such premises with that person or organization.. Controlling Interest with respect to their liability arising out of thelr financial control of you or premises they own maintain or control while you lease or occupy these premises. This insurance does not apply to structural alterations new construction and demolition operations performed by or for that person or organization. However their status as additional insured under this policy ends when they cease to have such controlling interest. Grantor of Franchise or License with respect to their liability as grantor of Structural alterations new construction or demolition operations performed by or on behalf of the person or organization. However their status as additional insured under this policy ends when you cease to be a tenant of such premises. Mortgagee Assignee or Receiver with respect to their liability as mortgagee assignee or receiver and arising out of the ownership maintenance or use of the premises by you. This insurance does not apply to structural alterations new constructions and demolition operations performed by or for that person or organization. However their status as additional insured under this policy ends when CG72121216 However their status as additional insured under this policy ends when you cease to co own such premises with that person or organization. b. Controlling Interest with respect to their liability arising out of thelr financial control of you or premises they own maintain or control while you lease or occupy these premises. This insurance does not apply to structural alterations new construction and demolition operations performed by or for that person or organization. However their status as additional insured under this policy ends when they cease to have such controlling interest. c. Grantor of Franchise or License with respect to their liability as grantor of a franchise or license to you. However their status as additional insured under this policy ends 1 when their contract or agreement with you granting the franchise or license ends or expires or 2 when your license is terminated or revoked prior to expiration of the license as stipulated by the contract or agreement. d. Lessors of Leased Equipment with respect to their liability for bodily injury property damage or personal and advertising injury caused in whole or in part by your maintenance operation or use of equipment leased to you by such persons or organizations. This insurance does not apply to any occurrence which takes place after the equipment lease expires. However their status as additional insured under this policy ends when their lease contract or agreement with you for such leased equipment ends. e. Managers or Lessors of Premises with respect to liability arising out of the ownership maintenance or use of that part of the premises leased to you. This insurance does not apply to 1 Any occurrence which takes place after you cease to be a tenant in that premises. Structural alterations new construction or demolition operations performed by or on behalf of the person or organization. However their status as additional insured under this policy ends when you cease to be a tenant of such premises. Mortgagee Assignee or Receiver with respect to their liabilty as mortgagee assignee or receiver and arising out of the ownership maintenance or use of the premises by you. This insurance does not apply to structural alterations new constructions and demolition operations performed by or for that person or organization. However their status as additional insured under this policy ends when their status as mortgagee assignee or receiver ends. Owners or Other Interest from Whom Land has been Leased with respect to their liability arising out of the ownership maintenance or use of that part of the land leased to you. This insurance does not apply to 1 Any occurrence which takes place after you cease to lease the land or 2 Structural alterations new construction or demolition operations performed by or on behalf of the person or organization. However their status as additional insured under this policy ends when you cease to lease that land. State or Political Subdivisions Permits Relating to Premises with respect to the following hazards for which the state or governmental agency or subdivision or political subdivision has Issued a permit or authorization in connection with premises you own rent or control and to which this insurance applies 1 The existence maintenance repair construction erection or removal of advertising signs awnings canopies cellar entrances coal Page 2 of 5 CG72121216 Includes copyrighted material of ISO Properties Inc. with its permission. | 2 |
holes driveways manholes marquees hoist away openings sidewalk vaults street banners or decorations and similar exposures or 2 The construction erection or removal of elevators or 3 The ownership maintenance or use of any elevators covered by this insurance. This insurance does not apply to 1 Bodily injury or property damage or personal or advertising injury arising out of operations performed for the state or municipality or 2 Bodily injury or property damage included within the products completed operations hazard. However such state or political subdivision s status as additional e U g CG72121216 manutacturer and then repackaged in the original container Any failure to make such inspections adjustments tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business in connection with the distribution or sale of the products Demonstration installation servicing or repair operations except such operations performed at the vendor s premises in connection with the sale of the product Products which after distribution or sale by you have been labeled or relabeled or ueed ae a container nart ar CG72121216 manutacturer and then repackaged in the original container e Any failure to make such inspections adjustments tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business in connection with the distribution or sale of the products f Demonstration installation servicing or repair operations except such operations performed at the vendor s premises in connection with the sale of the product Products which after distribution or sale by you have been labeled or relabeled or used as a container part or ingredient of any other thing or substance by or for the vendor or Bodily injury or property damage arising out of the sole negligence of the vendor for its own acts or omissions or those of its employees or anyone else acting on its behalf. However this exclusion does not apply to i The exceptions contained in Subparagraphs d. or f. or ii Such inspections adjust ments tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business in connection with the distribution or sale of the products. 2This insurance does not apply to any insured person or organization from whom you have acquired such products or any ingredient part or container entering into accom panying or containing such products. g h holes driveways manholes marquees hoist away openings sidewalk vaults street banners or decorations and similar exposures or 2 The construction erection or removal of elevators or 3 The ownership maintenance or use of any elevators covered by this insurance. This insurance does not apply to 1 Bodily injury or property damage or personal or advertising injury arising out of operations performed for the state or municipality or Bodily injury or property damage included within the products completed operations hazard. However such state or political subdivision s status as additional insured under this policy ends when the permit ends. Vendors but only with respect to bodily injury or property damage arising out of your products which are distributed or sold in the regular course of the vendor s business subject to the following additional exclusions 1 The insurance afforded the vendor does not apply to a Bodily injury or property damage for which the vendor is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the vendor would have in the absence of the contract or agreement b Any express warranty unau thorized by you c Any physical or chemical change in the product made intentionally by the vendor d Repackaging except when unpacked solely for the purpose of inspection demonstration testing or the substitution of parts under instructions from the CG72121216 Page 3 of 5 Includes copyrighted material of ISO Properties Inc. with its permission. | 2 |
CG72121216 With respect to the insurance afforded to such additional insureds a. d. described above the following is added to the Section I Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. However this insurance afforded to such additional insureds a. i. described above 1. Only applies to the extent permitted by law and 2. Will not be broader than that which you are required by the contract or agreement to provide for such additional insured. SECTION Il LIMITS OF INSURANCE 1. The following is added to Paragraph 2 The General Aggregate Limit applies separately to each of your locations owned by or rented to you or temporarlly occupied by you with the permission of the owner 2. Paragraph 6. is replaced with 6. Subject to 5. above the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of property damage to any one premises while rented to you or in the case of damage by fire lightning explosion smoke or sprinkler leakage while rented to or temporarily occupied by you with permission of the owner. The limit is increased to 1000000. 3. Paragraph 7. is replaced with 7. Subject to 5. above the higher of a. 10000 or b. The amount shown in the Declarations for Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sustained by one person. e insurance afforded to ureds a. d. described is added to the Section rance ded to the additional ed by a contract or 5 t we will pay on behalf of ired is the amount of e contract or agreement the applicable Limits of n in the Declarations shall not increase the Insurance shown in the rance afforded to such a. i. described above the extent permitted by ader than that which you by the contract or rovide for such additional NSURANCE o Paragraph 2 Limit applies separately s owned by or rented to cupied by you with the d with ove the Damage To 0 You Limit is the most overage A for damages ty damage to any one ted to you or in the case e lightning explosion leakage while rented to ccupied by you with owner. The limit is 000. d with the higher of own in the Declarations pense Limit is the most der Coverage C for all ses because of bodily i by one person. Includes copyrighted material of ISO Properties Inc. with its permission. SECTION IV This coverage does not apply if Coverage C Medical Payments is excluded either by the provisions of any coverage forms attached to the policy or by endorsement. COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Condition 2. Duties In The Event Of Occurrence Offense Claim Or Suit is amended to include e. Knowledge of an occurrence offense claim or sult by an agent or employee of any insured shall not In itself constitute knowledge of the insured unless you a partner if you are a partnership or an executive officer or insurance manager if you are a corporation receives such notice of an occurrence offense claim or suit from the agent or employee. Paragraph b. Excess Insurance 1 b ii of condition 4. Other Insurance is replaced with ii That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner Condition 6. Representations is amended to include d. Your failure to disclose all hazards or prior occurrences or offenses existing as of the inception date of the policy shall not prejudice the coverage afforded by this policy provided such failure to disclose all hazards or prior occurrences or offenses is not intentional. This provision does not affect our right to collect additional premium or exercise our right of cancellation or non renewal. Condition 8. Transfer Of Rights Of Recovery Against Others To Us is amended to include If required by a written contract executed prior to loss we waive any right of subrogation we may have against the contracting person or organization because of payments we make for injury or damage arising out of your ongoing operations or your work done under a contract with that person or organization and included in the products completed operations hazard. The following condition is added 10. Liberalization If we revise this coverage form to provide more coverage without additional premium charge your policy will automatically provide the additional coverage as of the day the revision Is effective In your state. CG72121216 Page 4 of 5 | 2 |
CG72121216 SECTION V DEFINITIONS or death resulting from any of these at any 1 Definitinn Radilv Iniry ie ranlacad with time. INITIONS odily Injury is replaced with ry means bodily injury sickness sustained by a person including juish mental injury shock fright CG72121216 or death resulting from any of these at any time. The following definition is added Location means premises involving the same or connecting lots or premises whose connection is interrupted only by a street roadway waterway or right of way of a railroad. All terms and conditions apply unless modified by this endorsement. SECTION V DEFINITIONS 1. Definition 3. Bodily Injury is replaced with 3. Bodily injury means bodily injury sickness or disease sustained by a person including mental anguish mental injury shock fright CG72121216 Includes copyrighted material of ISO Properties Inc. with its permission. Page 5 of 5 | 2 |
1L0017 1198 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. Cancellation b. Give you reports on the conditions we find 1. The first Named Insured shown in the Declara and tions may cancel this pqlicy by mailing or deliv c. Recommend changes. ering to us advance written notice of cancella 2. We are not obligated to make any inspections tion. survevs reports or recommendations and any L0017 1198 L0017 11 98 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. Cancellation 1. The first Named Insured shown in the Declara tions may cancel this policy by mailing or deliv ering to us advance written notice of cancella tion. 2. We may cancel this policy by mailing or deliv ering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancel lation if we cancel for nonpayment of pre mium or b. 30 days before the effective date of cancel lation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. The cancellation will be ef fective even if we have not made or offered a refund. 6. If notice is mailed proof of mailing will be suffi cient proof of notice. B. Changes This policy contains all the agreements between you and us conceming the insurance afforded. The first Named Insured shown in the Declara tions is authorized to make changes in the terms of this policy with our consent. This policy s terms can be amended or waived only by endorsement issued by us and made a part of this policy. C. Examination Of Your Books And Records We may examine and audit your books and re cords as they relate to this policy at any time dur ing the policy period and up to three years after ward. D. Inspections And Surveys 1. We have the right to a. Make inspections and surveys at any time b. Give you reports on the conditions we find and c. Recommend changes. 2. We are not obligated to make any inspections surveys reports or recommendations and any such actions we do undertake relate only to in surability and the premiums to be charged. We do not make safety inspections. We do not un dertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions a. Are safe or healthful or b. Comply with laws regulations codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us but also to any rating advisory rate service or similar organization which makes in surance inspections surveys reports or rec ommendations. 4. Paragraph 2. of this condition does not apply to any inspections surveys reports or recom mendations we may make relative to certifica tion under state or municipal statutes ordi nances or regulations of boilers pressure ves sels or elevators. Premiums The first Named Insured shown in the Declara tions 1. Is responsible for the payment of all premiums and 2. Will be the payee for any return premiums we pay.. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named in sured. If you die your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal represen tative. Until your legal representative is appointed anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. ned Insured shown in the Declara incel this policy by mailing or deliv idvance written notice of cancella cel this policy by mailing or deliv first Named Insured written notice on at least vefore the effective date of cancel ve cancel for nonpayment of pre oefore the effective date of cancel e cancel for any other reason. or deliver our notice to the first red s last mailing address known to ancellation will state the effective ellation. The policy period will end is cancelled we will send the first red any premium refund due. If we refund will be pro rata. If the first red cancels the refund may be o rata. The cancellation will be ef if we have not made or offered a ailed proof of mailing will be suffi f notice. tains all the agreements between nceming the insurance afforded. d Insured shown in the Declara ed to make changes in the terms th atir coneent Thie nolicv s terme IL0017 1198 Copyright Insurance Services Office Inc. 1998 Page 1 of 1 | 2 |
00 21 09 08 IL 00 21 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply A. Under any Liability Coverage to bodily injury or property damage 1 With respect to which an insured under C. Under any Liability Coverage to bodily injury or property damage resulting from hazard ous properties of nuclear material if 1 The nuclear material a is at any nuclear IL 00 21 09 08 the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance Associa tion Mutual Atomic Energy Liability Underwriters Nuclear Insurance Associa tion of Canada or any of their successors or would be an insured under any such pol icy but for its termination upon exhaustion of its limit of liability or Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is re quired to maintain financial protection pur suant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the in sured is or had this policy not been issued would be entited to indemnity from the United States of America or any agency thereof under any agreement entered into by the United States of America or any agency thereof with any person or organi zation. B. Under any Medical Payments coverage to expenses incurred with respect to bodily in jury resulting from the hazardous properties of nuclear material and arising out of the op eration of a nuclear facility by any person or organization. 2 facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom The nuclear material is contained in spent fuel or waste at any time pos sessed handled used processed stored transported or disposed of by or on behalf of an insured or 3 The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. ISO Properties Inc. 2007 Page 1 of 2 C. Under any Liability Coverage to bodily injury or property damage resulting from hazard ous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom The nuclear material is contained in spent fuel or waste at any time pos sessed handled used processed stored transported or disposed of by or on behalf of an insured or The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. 2 Page 1 of 2 | 2 |
2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material cial nuclear material or by product material. Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or ex posed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or or ganization of any luded under the first two paragraphs of the definition of nu clear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packag ing waste spe c Any equipment or device used for the proc essing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of pluto nium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 Any structure basin excavation premises or place prepared or used for the storage or disposal of waste and includes the site on which any of the foregoing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioac tive contamination of property. 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material spe cial nuclear material or by product material. Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or ex posed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or or ganization of any nuclear facility included under the first two paragraphs of the definition of nu clear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packag ing waste c Any equipment or device used for the proc essing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of pluto nium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 Any structure basin excavation premises or place prepared or used for the storage or disposal of waste and includes the site on which any of the foregoing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioac tive contamination of property. Page 2 of 2 ISO Properties Inc. 2007 IL 00 21 09 08 | 2 |
bl IL02740213 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERGIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. When this endorsement is attached to the the following Cancellation and Nonrenewal Standard Property Policy CP 00 99 the term Provisions apply Commercial Property Coverage Part in this Paragraph 2. of the Cancellation Common Policy endorsement also refers to the Standard Property Condition is replaced by the following Policy. 2. We may cancel this policy by mailing or B. Withrespecttothe delivering to the first Named Insured written Commercial General Liability Coverage Part notice of cancellation stating the actual reason Commercial Property Legal Liability Coverage for cancellation at least Form CP 00 40 a. 10 days before the effective date of Commercial Property Mortgageholders Errors cancellation if we cancel for nonpayment of And Omissions Coverage Form CP 00 70 premium Crime And Fidelity Coverage Part b. 30 days before the effective date of Employment Related Practices Liability Coverage cancellation if cancellation is for one or Part more of the following reasons Equipment Breakdown Coverage Part 1 Fraud or material misrepresentation Farm Liability Coverage Form affecting this policy or a claim filed Liquor Liability Coverage Part under this policy or a violation of any of Pollution Liabilty Coverage Part g atr rrjltlf ss Jflltshzofzcv. e graor iucts Complated Operations Liability Coverage date of this policy which have materially Medical Professional Liability Coverage Part increased the risk assumed 1L 02740213 Insurance Services Office Inc. 2012 Page 10of 2 | 2 |
IL02740213 i 3 We become insolvent or 4. Notice of 4 We involuntarily lose reinsurance for this a. Cancellanon will state the elfectlve date of SRR PN IL02740213 3 We become insolvent or 4 We involuntarily lose reinsurance for this policy c. 60 days before the effective date of cancellation if we cancel for any other reason. Nonrenewal The following is added and supersedes any provision to the contrary a. We may elect not to renew this policy by mailing or delivering to the first Named Insured at the last mailing address known to us written notice of nonrenewal stating the actual reason for nonrenewal at least 60 days prior to the effective date of the nonrenewal. b. If notice is mailed proof of mailing will be sufficient proof of notice. C. With respect to the Capital Assets Program Output Policy Coverage Part Commercial Inland Marine Coverage Part Commercial Property Coverage Part Farm Property Other Farm Provisions Form Additional Coverages Conditions Definitions Coverage Form Farm Livestock Coverage Form Farm Mobile Agricultural Machinery And Equipment Coverage Form Paragraphs 1. 2. 3. 4. and 6. of the Cancellation Common Policy Condition are replaced by the following Cancellation Nonrenewal And Decreases In Coverage 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel nonrenew reduce in amount or adversely modify this policy by mailing or delivering to the first Named Insured written notice of this action at least a. 10 days before the effective date of this action if due to nonpayment of premium or evidence of incendiarism or b. 30 days before the effective date of this action if for any other reason. 3. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. 4. Notice of a. Cancellation will state the effecti cancellation. The policy period w that date. b. Any other action will state the effe of that action. 6. If notice is mailed proof of mailir sufficient proof of notice. D. With respect to all Coverage Parts ad this endorsement Paragraph 5. Cancellation Common Policy Cor replaced by the following 5. If this policy is cancelled we will ser Named Insured any premium refund cancellation will be effective even i not made or offered a refund. The provisions govern calculation premium a. We will compute return premiun and round to the next higher wi when this policy is 1 Cancelled by us or at our requ 2 Cancelled because you no lo a financial or insurable inter property or business operati the subject of this insurance 3 Cancelled but rewritten with u. company group or 4 Cancelled after the first year prepaid policy written for a ter than one year. b. When this policy is cancelled at t of the first Named Insured exc Paragraph a.2 a.3 or a.4 af will return 90 of the pro rata premium or 75 of the pro rata premium for the Equipment E Coverage Part rounded to the n whole dollar. However wh cancellation takes place during the of a multiyear prepaid policy we the full annual premium for the s years. The refund will be less than 90 rata unearned premium or less of the pro rata unearned premiu Equipment Breakdown Coverag the refund of such amount wou the premium retained by us to 2 less than the minimum premiur policy. All terms and conditions of this policy apply unless modified by this endorsement. 4. Notice of a. Cancellation will state the effective date of cancellation. The policy period will end on that date. b. Any other action will state the effective date of that action. 6. If notice is mailed proof of mailing will be sufficient proof of notice. D. With respect to all Coverage Parts addressed in this endorsement Paragraph 5. of the Cancellation Common Policy Condition is replaced by the following 5. If this policy is cancelled we will send the first Named Insured any premium refund due. The cancellation will be effective even if we have not made or offered a refund. The following provisions govern calculation of return premium a. We will compute return premium pro rata and round to the next higher whole dollar when this policy is 1 Cancelled by us or at our request 2 Cancelled because you no longer have a financial or insurable interest in the property or business operation that is the subject of this insurance 3 Cancelled but rewritten with us or in our company group or 4 Cancelled after the first year if it is a prepaid policy written for a term of more than one year. b. When this policy is cancelled at the request of the first Named Insured except when Paragraph a.2 a.3 or a.4 applies we will return 90 of the pro rata unearned premium or 75 of the pro rata unearned premium for the Equipment Breakdown Coverage Part rounded to the next higher whole dollar. However when such cancellation takes place during the first year of a multiyear prepaid policy we will return the full annual premium for the subsequent years. The refund will be less than 90 of the pro rata unearned premium or less than 75 of the pro rata unearned premium for the Equipment Breakdown Coverage Part if the refund of such amount would reduce the premium retained by us to an amount less than the minimum premium for this policy. Page 2of 2 Insurance Services Office Inc. 2012 IL02740213 | 2 |
IN 76 3106 11 Kk k kK kK IMPORTANT INSURANCE INFORMATION k Kk Kk Please read this Notice carefully. No coverage is provided by this notice nor can it be construed to replace any provision of your policy. You should read your policy and review your declarations page for complete information an tha ravaramace vali are nravided 1 thore e anv nanflint lativann tha naling and thic natine the memtrioimme f hhe IN 76 3106 11 Kk k kK kK IMPORTANT INSURANCE INFORMATION k Kk Kk Please read this Notice carefully. No coverage is provided by this notice nor can it be construed to replace any provision of your policy. You should read your policy and review your declarations page for complete information on the coverages you are provided. If there is any conflict between the policy and this notice the provisions of the policy shall prevail. NOTICE TO POLICY HOLDERS In accordance with Missouri 375.052 RSMo this is a disclosure for possible additional incidental fees for premium instaliments late payments policy reinstatement. FLEXIBLE PAYMENT PLAN Premium Charge A small premium charge will be added to each installment billing. The Premium Charge is 5.00 except for the Flex Chek Payment Plan. Penalty Charges The Reinstatement Charge is 10.00 for each account where Notice of Cancellation has been given. The Non Sufficient funds or returned check charge is 30.00. POLICY WRITING MINIMUM PREMIUM If your policy has a policy writing minimum premium this charge applies regardless of term. IN76 3106 11 Page 10f 1 | 2 |
Named Insured Address IMPORTANT INSURANCE INFORMATION IMPORTANT NOTICE FOR RENEWAL POLICIES In an effort to keep your insurance premium as low as possible we have streamlined your renewal policy. We have not included printed copies of policy forms and endorsements that have not changed from your expiring policy unless they include variable information that is unique to you. Please refer to your prior policies for printed copies of these forms. If you desire copies they are available upon request from your agent. IN 5017 05 93 | 2 |
IN78 09 11 15 k k k Kk Kk IMPORTANT INSURANCE INFORMATION B8 0.0 8 8 IN78091115 Kk Kk ok kK IMPORTANT INSURANCE INFORMATION ok kK ok ok X Please read this Notice carefully. No coverage Is provided by this notice nor can it be construed to replace any provision of your policy. You should read your policy and review your declarations page for complete information on the coverages you are provided. If there is any conflict between the policy and this notice the provisions of the policy shall prevail. DATA BREACH IDENTITY RECOVERY SERVICES Data Breach Services Information Through a partnership with Hartford Steam Boiler you have access to a data breach risk management portal called the eRiskHub. The portal is designed to help you understand data information exposures help you plan and be prepared for a data breach and establish a response plan to manage the costs and minimize the effects of a data breach. Key features of the portal include Incident Response Plan Roadmap suggested steps your business can take following data breach incident. Having an incident response plan prepared in advance of a breach can be useful for defense of potential litigation. Online Training Modules ready to use training for your business on privacy best practices and Red Flag Rules. Risk Management Tools assist your business in managing data breach exposures including self assessments and state breach notification laws. eRisk Resources a directory to quickly find external resources on pre and post breach disciplines. News Center cyber risk stories security and compliance blogs security news risk management events and helpful industry links. Learning Center best practices and white papers written by leading authorities. To access the eRiskHub portal Enter httpswww.eriskhub.comnationwide in your browser. e Complete the information including your name and company. Your User D and Password are case sensitive. Enter your assigned access code 12116 73. Enter the challenge word on the screen and click Submit and follow the instructions to complete your profile setup. You can now login to the portal. You also have access to a help line to answer breach related questions. Insureds having questions pertaining to how to prepare for a breach help in identifying a breach or other questions pertaining to breach related best practices can call our breach preparedness help line. Experienced professionals are able to provide insights to help insureds understand the complicated environment pertaining to breaches of personal information. The breach preparedness help line is 877 800 5028. IN7809 11 15 Page 1 of 2 | 2 |
IN7809 1115 In addition you have the ability to purchase Data Compromise Insurance coverage and CyberOne Insurance coverage. The Data Compromise coverage covers the costs incurred by an insured to respond to a data breach including expenses related to forensic information technology review legal review notification to affected individuals services to affected individuals public relations services. Insureds will also have the ability to include Data Compromise Defense and Liability coverage which covers the liability from a suit brought by an individual affected by the data breach. CyberOne coverage protects businesses against damage to electronic data and computer systems from a virus or other computer attack. It also protects a business s liability to third parties that may have suffered damage due to security weaknesses in the business s computer system. Identity Recovery Services Information Through a partnership Hartford Steam Boiler you will have access to a Toll Free Identity Recovery Help Line designed to provide education about identity theft and identity theft risks. The toll free Help Line is staffed by experienced identity theft counsellors who can answer questions and provide useful information and resources to identity theft victims. The Identity Recovery Help Line number is 877 800 5028. In addition you have the ability to buy Identity Recovery insurance coverage as an included IN7809 1115 In addition you have the ability to purchase Data Compromise Insurance coverage and CyberOne Insurance coverage. The Data Compromise coverage covers the costs incurred by an insured to respond to a data breach including expenses related to forensic information technology review legal review notification to affected individuals services to affected individuals public relations services. Insureds will also have the ability to include Data Compromise Defense and Liability coverage which covers the liability from a suit brought by an individual affected by the data breach. CyberOne coverage protects businesses against damage to electronic data and computer systems from a virus or other computer attack. It also protects a business s liability to third parties that may have suffered damage due to security weaknesses in the business s computer system. Identity Recovery Services Information Through a partnership Hartford Steam Boiler you will have access to a Toll Free Identity Recovery Help Line designed to provide education about identity theft and identity theft risks. The toll free Help Line is staffed by experienced identity theft counsellors who can answer questions and provide useful information and resources to identity theft victims. The Identity Recovery Help Line number is 877 800 5028. In addition you have the ability to buy Identity Recovery insurance coverage as an included element of Data Compromise coverage or separately on its own. The Identity Recovery coverage insures against the theft of identities of the insured s key owners officers and resident family members. The coverage provides the services of an identity theft case manager and pays for various out of pocket expenses due to a covered identity theft including Legal fees for answer of civil judgments and defense of criminal charges Phone postage shipping fees Notary and filing fees Credit bureau reports Lost Wages and Child or Elder Care Mental Health Counseling costs Not Available in NY Miscellaneous Expense coverage Page 2 of 2 IN7809 11 15 | 2 |
2 ZURICH Notice To Policyholder Revised Definition of Spouse California law provides that registered domestic partners have the same rights protections and benefits and are subject to the same responsibilities obligations and duties under law as are granted to and imposed upon spouses. This applies whether they derive from statutes administrative regulations court rules government policies common law or any other provisions or sources of law as are granted to and imposed upon spouses. Existing law requires where necessary to implement the rights of registered domestic partners gender specific terms referring to spouses to be construed to include domestic partners. U GU1227 A CA 0317 | 2 |
2 ZURICH Revised Definition of Spouse Endorsement THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Policyholder KENNEDY JENKS CONSULTANTS INC. Policy No. GLO 5833581 06 Effective Date 10012018 It is hereby understood and agreed that the following changes are made and incorporated into the Policy Certificate PURPOSE California law provides that registered domestic partners have the same rights protections and benefits and are subject to the same responsibilities obligations and duties under law whether they derive from statutes administrative regulations court rules government policies common law or any other provisions or sources of law as are granted to and imposed upon spouses. Existing law requires where necessary to implement the rights of registered domestic partners gender specific terms referring to spouses to be construed to include domestic partners. DEFINITIONS TERMS CONDITIONS AND PROVISIONS The definitions terms conditions or any other provisions of the policy contract certificate andor riders and endorsements to which this mandatory endorsement is attached are hereby amended and superseded as follows Spouse includes a Registered Domestic Partner. Except for the above this endorsement does not vary alter waive or extend any of the terms of the Policy Certificate to which it is attached. EndorsementNo. 0 Insurance Company ZURICH AMERICAN INSURANCE COMPANY Date Countersigned by U GU1223 B CA 0916 | 2 |
Insured Name KENNEDY JENKS CONSULTANTS INC. Policy Number GLO 5833581 06 Effective Date 10012018 Z ZURICH THIS DISCLOSURE IS ATTACHED TO AND MADE PART OF YOUR POLICY. DISCLOSURE OF IMPORTANT INFORMATION RELATING TO TERRORISM RISK INSURANCE ACT SCHEDULE Premium attributable to risk of loss from certified acts of terrorism for lines of insurance subject to TRIA General Liability 672.00 Any information required to complete this Schedule if not shown above will be shown in the Declarations. A. Disclosure of Premium In accordance with the federal Terrorism Risk Insurance Act TRIA as amended we are required to provide you with a notice disclosing the portion of your premium if any attributable to the risk of loss from terrorist acts certified under that Act for lines subject to TRIA. That portion of premium attributable is shown in the Schedule above. The premium shown in the Schedule above is subject to adjustment upon premium audit if applicable. B. Disclosure of Federal Participation in Payment of Terrorism Losses The United States Government may pay a share of insured losses resulting from an act of terrorism. The federal share will decrease by 5 from 85 to 80 over a five year period while the insurer share increases by the same amount during the same period. The schedule below illustrates the decrease in the federal share January1 2015 December 31 2015 federal share 85 January1 2016 December 31 2016 federal share 84 January1 2017 December 31 2017 federal share 83 January1 2018 December 31 2018 federal share 82 January1 2019 December 31 2019 federal share 81 January1 2020 December 31 2020 federal share 80 C. Disclosure of 100 Billion Cap on All Insurer and Federal Obligations If aggregate insured losses attributable to terrorist acts certified under TRIA exceed 100 billion in a calendar year January 1 through December 31 and an insurer has met its deductible under the program that insurer shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of Treasury. D. Availability As required by TRIA we have made available to you for lines subject to TRIA coverage for losses resulting from acts of terrorism certified under TRIA with terms amounts and limitations that do not differ materially from those for losses arising from events other than acts of terrorism. eneral Liability 672.00 U GU630 D CW 0115 Page 10f 2 Copyright 2015 Zurich American Insurance Company Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
E. Definition of Act of Terrorism under TRIA TRIA defines act of terrorism as any act that is certified by the Secretary of the Treasury in accordance with the provisions of the federal Terrorism Risk Insurance Act TRIA to be an act of terrorism. The Terrorism Risk Insurance Act provides that the Secretary of Treasury shall certify an act of terrorism 1. To be an act of terrorism 2. Tobe a violent act or an act that is dangerous to human life property or infrastructure 3. To have resulted in damage within the United States or outside of the United States in the case of an air carrier as defined in section 40102 of Title 49 United States Code or a United States flag vessel or a vessel based principally in the United States on which United States income tax is paid and whose insurance coverage is subject to regulation in the United States or the premises of a United States mission and 4. To have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. No act may be certified as an act of terrorism if the act is committed as part of the course of a war declared by Congress except for workers compensation or if losses resulting from the act in the aggregate for insurance subject to TRIA do not exceed 5000000. U GU630 D CW 0115 Page 2 of 2 Copyright 2015 Zurich American Insurance Company Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
2 ZURICH e W ANE R X CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM Insureds Name Policy Number Effective Endorsement Date Number KENNEDY JENKS CONSULTANTS INC GLO 5833581 06 10012018 THIS ENDORSEMENT CHANGES YOUR POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies your insurance A. Cap on Losses From Certified Terrorism Losses Certified act of terrorism means an act that is certified by the Secretary of the Treasury in accordance with provisions of the federal Terrorism Risk Insurance Act TRIA to be an act of terrorism. The Terrorism Risk Insurance Act provides that the Secretary of Treasury shall certify an act of terrorism 1. To be an act of terrorism 2. Tobe a violent act or an act that is dangerous to human life property or infrastructure 3. To have resulted in damage within the United States or outside of the United States in the case of an air carrier as defined in section 40102 of Title 49 United States Code or a United States flag vessel or a vessel based principally in the United States on which United States income tax is paid and whose insurance coverage is subject to regulation in the United States or the premises of a United States mission and 4. To have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. No act may be certified as an act of terrorism if the act is committed as part of the course of a war declared by Congress except for workers compensation or if losses resulting from the act in the aggregate for insurance subject to TRIA do not exceed 5000000. If aggregate insured losses attributable to one or more certified acts of terrorism exceed 100 billion in a calendar year January 1 through December 31 and we have met our insurer deductible under the Terrorism Risk Insurance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of Treasury. B. Application of Other Exclusions The terms and limitations of a terrorism exclusion or any other exclusion or the inapplicability or omission of a terrorism exclusion or any other exclusion do not serve to create coverage which would otherwise be excluded limited or restricted under this policy. Copyright 2015 Zurich American Insurance Company Includes copyrighted material of Insurance Services Office Inc. with ts permission. U GU767 8 CW 0115 Page 1 of 1 | 2 |
Z ZURICH Disclosure Statement Itis our pleasure to present the enclosed policy to you for presentation to your customer. INSTRUCTION TO AGENT OR BROKER WE REQUIRE THAT YOU TRANSMIT THE ATTACHED ENCLOSED DISCLOSURE STATEMENT TO THE CUSTOMER WITH THE POLICY. Once again thank you for your interest and we look forward to meeting your needs and those of your customers. U GU873 A CW 0611 Page 1of 1 | 2 |
Z ZURICH Disclosure Statement NOTICE OF DISCLOSURE FOR AGENT BROKER COMPENSATION If you want to learn more about the compensation Zurich pays agents and brokers visit httpwww.zurichnaproducercompensation.com or call the following toll free number 866 903 1192. This Notice is provided on behalf of Zurich American Insurance Company and its underwriting subsidiaries. U GU874 ACW 0611 Page 1 of 1 | 2 |
Z ZURICH COMMON POLICY DECLARATIONS Policy Number GLO 5833581 06 Renewal of Number GLO 5833581 05 Named Insured and Mailing Address Producer and Mailing Address KENNEDY JENKS CONSULTANTS LOCKTON COMPANIES LLC SEE NAMED INSURED ENDT 444 W 47TH ST STE 900 303 2ND ST STE 300 KANSAS CITY MO 64112 1906 SAN FRANCISCO CA 94107 1366 Producer Code 37385 000 Policy Period Coverage begins 10 01 2018 at1201 AM. Coverageends 10 01 2019 at1201 AM. The name insured is E Individual O Partnership EI Corporation other This insurance is provided by one or more of the stock insurance companies which are members of the Zurich American Insurance Group. The company that provides coverage is designated on each Coverage Part Common Declarations. The company o companies providing this insurance may be referred to in this policy as The Company we us or our. The address of the companies of the Zurich American Insurance Group are provided on the next page. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGES GENERAL LIABILITY COVERAGE PREMIUM issued by ZURICH AMERICAN INSURANCE COMPANY NJ PLIGA SURCHARGE VA BIRTH RELATED NEURO INJURY COMP FUND WA REGULATORY SURCHARGE THIS PREMIUM MAY BE SUBJECT TO AUDIT. TOTAL S 67870.00 This premium does not include Taxes and Surcharges. SEE INSTALLMENT SCHEDULE Taxes and Surcharges TOTAL S 30.24 SEE INSTALLMENT SCHEDULE Forms and Endorsements made a part of this policy at time of issue are listed on the SCHEDULE of FORMS and ENDORSEMENTS. Countersigned this day of Authorized Representative THIS DECLARATION TOGETHER WITH THE COMMON POLICY CONDITIONS COVERAGE PART DECLARATIONS COVERAGE PART FORMS FORMS AND ENDORSEMENTS IF ANY ISSUED TO FORM A PART THEREOF COMPLETE THE ABOVE NUMBERED POLICY. e o ENERAL LIABILITY COVERAGE N PREMIUM issued by ZURICH AMERICAN INSURANCE COMPANY 17.00.70 12.54 J PLIGA SURCHARGE A BIRTH RELATED NEURO INJURY COMP FUND A REGULATORY SURCHARGE nan nan nan nan 17.0 nan 0.7 nan 12.54 U GU D365 A 0394 Page 1 of 1 | 2 |
Policy Number GLO 5833581 06 SCHEDULE OF FORMS AND ENDORSEMENTS Zurich American Insurance Company Named Insured KENNEDY JENKS CONSULTANTS Effective Date 10 01 18 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 COMMON POLICY FORMS AND ENDORSEMENTS U GU1223 B CA 09 16 REVISED DEFINITION OF SPOUSE ENDORSEMENT U GU630 D CW 01 15 DISCLOSURE OF INFO RELATING TO TRIA U GU767 B CW 01 15 CAP ON LOSS FROM CERTIFIED ACTS OF TERR U GU D365 A 03 94 POLICY COMMON DECLARATIONS U GU619 A CW 10 02 SCHEDULE OF FORMS AND ENDORSEMENTS U GU319 F 01 09 IMPORTANT NOTICE IN WITNESS CLAUSE U GU621 A CW 10 02 SCHEDULE OF NAMED INSURED S U GU406 B 07 15 INSTALLMENT PREMIUM SCHEDULE U GU618 A CW 10 02 SCHEDULE OF LOCATIONS U GU1016 A CW 06 10 KNOWLEDGE BY POSITION OR DEPARTMENT IL 00 17 11 98 COMMON POLICY CONDITIONS IL 00 21 09 08 NUCLEAR ENERGY LIABILITY EXCLUSION ENDT IL 02 70 09 12 CA CHANGES CANCELLATION NONRENEWAL IL 02 77 01 18 LOUISIANA CHANGES CANC NONRENL IL 00 03 09 08 CALCULATION OF PREMIUM U GU1191 A CW 03 15 SANCTIONS EXCLUSION ENDORSEMENT U GU1169 A CO 06 13 CO CIVIL UNION ACT POLICYHOLDER NOTICE GENERAL LIABILITY FORMS AND ENDORSEMENTS U GL1446 A CW 05 10 NOTIFICATION TO OTHERS OF CANCELLATION U GL1517 B CW 04 13 RECORD OR DISTRB OF MATRL OR INFO EXCL U GL1518 A CW 04 13 BROADENED NAMED INSURED U GL1521 A CW 10 12 BLANKET NOTIFICATION TO OTH CANC NONREN U GL849 B CW 08 04 EMPLOYEE BENEFITS LIABILITY CLAIMS MADE U GL915 C CW 08 04 FELLOW EMPLOYEE COVERAGE ENDORSEMENT U GL925 B CW 12 01 WAIVER OF SUBROGATION BLANKET ENDT. U GL D1115 B CW 09 04 COMMERCIAL GL COVERAGE PART DECLARATIONS U GL D849 B CW 09 04 EMPLOYEE BENEFITS LIAB DEC CLAIMS MADE U GL1378 A 03 09 LIMITED COVERAGE BLANKET WRAP UP CG 00 01 04 13 COMMERCIAL GENERAL LIABILITY COV FORM U GL1114 A 10 02 BLANKET JOINT VENTURE COVERAGE U GL1114 A 10 02 CITY OF SAN BUENAVENTURA U GL1114 A 10 02 ADDITIONAL INSURED OWNERS LESSEES CONTRACTORS SCHEDULED U GL1114 A 10 02 ADDITIONAL INSURED OWNERS LESSEES CONTRACTORS SCHEDULED U GL1114 A 10 02 ADDITIONAL INSURED OWNERS LESSEES CONTRACTORS SCHEDULED U GL1114 A 10 02 ADDITIONAL INSURED OWNERS LESSEES CONTRACTORS SCHEDULED U GL1114 A 10 02 ADDITIONAL INSURED OWNERS LESSEES CONTRACTORS SCHEDULED U GL1114 A 10 02 ADDITIONAL INSURED OWNERS LESSEES CONTRACTORS COMPLETED U GL1114 A 10 02 ADDITIONAL INSURED OWNERS LESSEES CONTRACTORS COMPLETED U GL1114 A 10 02 ADDITIONAL INSURED OWNERS LESSEES CONTRACTORS COMPLETED U GL1114 A 10 02 ADDITIONAL INSURED OWNERS LESSEES CONTRACTORS COMPLETED U GL1114 A 10 02 ADDITIONAL INSURED OWNERS LESSEES CONTRACTORS COMPLETED U GU619 A CW 1002 SCHEDULE OF FORMS AND ENDOF Zurich American Insurance GLO 5833581 06 F FORMS AND ENDORSEMENTS ican Insurance Company TS Effective Date 10 01 1 1201 A.M. Standard Tin DEFINITION OF SPOUSE ENDORSEMENT SURE OF INFO RELATING TO TRIA LOSS FROM CERTIFIED ACTS OF TERR COMMON DECLARATIONS LE OF FORMS AND ENDORSEMENTS NT NOTICE IN WITNESS CLAUSE LE OF NAMED INSURED S JMENT PREMIUM SCHEDULE LE OF LOCATIONS GE BY POSITION OR DEPARTMENT POLICY CONDITIONS ENERGY LIABILITY EXCLUSION ENDT NGES CANCELLATION NONRENEWAL NA CHANGES CANC NONRENL TION OF PREMIUM ONS EXCLUSION ENDORSEMENT L UNION ACT POLICYHOLDER NOTICE NTS ATION TO OTHERS OF CANCELLATION OR DISTRB OF MATRL OR INFO EXCL VED NAMED INSURED NOTIFICATION TO OTH CANC NONREN E BENEFITS LIABILITY CLAIMS MADE EMPLOYEE COVERAGE ENDORSEMENT OF SUBROGATION BLANKET ENDT. IAL GL COVERAGE PART DECLARATIONS BENEFITS LIAB DEC CLAIMS MADE COVERAGE BLANKET WRAP UP IAL GENERAL LIABILITY COV FORM JOINT VENTURE COVERAGE SAN BUENAVENTURA ONAL INSURED OWNERS LESSEES OR TORS SCHEDULED ONAL INSURED OWNERS LESSEES OR TORS SCHEDULED ONAL INSURED OWNERS LESSEES OR TORS SCHEDULED ONAL INSURED OWNERS LESSEES OR TORS SCHEDULED ONAL INSURED OWNERS LESSEES OR TORS SCHEDULED ONAL INSURED OWNERS LESSEES OR TORS COMPLETED ONAL INSURED OWNERS LESSEES OR TORS COMPLETED ONAL INSURED OWNERS LESSEES OR TORS COMPLETED ONAL INSURED OWNERS LESSEES OR TORS COMPLETED ONAL INSURED OWNERS LESSEES OR A CW A CO | 2 |
Policy Number GLO 5833581 06 SCHEDULE OF FORMS AND ENDORSEMENTS Zurich American Insurance Company Named Insured KENNEDY JENKS CONSULTANTS Effective Date 10 01 18 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC AgentNo. 37385 000 LEAD LIABILITY EXCLUSION U GL1060 E CW CONTRACTORS LIABILITY ENDORSEMENT UGL1171ACW FUNGI OR BACTERIA EXCLUSION U GL1327 B CW OTH INS AMNDMT PRIMARY NONCONTRIBUTORY U GL1178ACW ASBESTOS EXCLUSION ENDORSEMENT U GL872 B CW PREMIUM REPORTS AGREEMENT COMP RATED CG 01 79 VIRGINIA CHANGES UGL850ACW DEDUCTIBLE ENDORSEMENT CLAIMS MADE 24 EARLIER NOTICE OF CANC PROVIDED BY US DEDUCTIBLE LIABILITY INSURANCE ELECTRONIC DATA LIABILITY ENDORSEMENT ADDL INS ST GOV AGY SUB POL SUB PERM ADDL INSD DESIGNATED PERSON ORGANIZATION ADDL INSD ENGRS ARCHTS OR SURVEYORS EXCL ACC DISCL OF CONFI OR PERSONAL INFO OR MARIJUANA EXCLUSION EMPLOYMENT RELATED PRACTICES EXCLUSION EXCL EXTERIOR INSULATION FINISH SYSTEM EXCL CONTRACTORS PROF LIAB WAIVER OF GOVERNMENTAL IMMUNITY CONTRACTUAL LIABILITY RAILROADS DESIGNATED CONSTRUCTION PROJECTS GENERAL DESIGNATED LOCATIONS GENERAL AGGREGATE OR MARIJUANA EXCLUSION OR MARIJUANA EXCLUSION 00 37 12 26 32 06 18 47 86 79 14 17 03 04 45 05 U GU619 A CW 1002 SCHEDULE OF FORMS AND ENDOF Zurich American Insurance GLO 5833581 06 F FORMS AND ENDORSEMENTS ican Insurance Company TS Effective Date 10 01 1 1201 A.M. Standard Tin GL1UbU L LW Ua15 LCUNIRACLLIORS LIADLILLI1Y BENDOROLMEN GL1171ACW 07 03 FUNGI OR BACTERIA EXCLUSION GL1327 B CW 04 13 OTH INS AMNDMT PRIMARY NONCONTRIBUTORY GL1178ACW 07 03 ASBESTOS EXCLUSION ENDORSEMENT GL872 B CW 04 09 PREMIUM REPORTS AGREEMENT COMP RATED G 01 79 07 10 VIRGINIA CHANGES GL850ACW 07 96 DEDUCTIBLE ENDORSEMENT CLAIMS MADE G 02 24 10 93 EARLIER NOTICE OF CANC PROVIDED BY US G 03 00 01 96 DEDUCTIBLE LIABILITY INSURANCE G 04 37 05 14 ELECTRONIC DATA LIABILITY ENDORSEMENT G 20 12 04 13 ADDL INS ST GOV AGY SUB POL SUB PERM G 20 26 04 13 ADDL INSD DESIGNATED PERSON ORGANIZATION G 20 04 13 ADDL INSD ENGRS ARCHTS OR SURVEYORS G 21 06 05 14 EXCL ACC DISCL OF CONFI OR PERSONAL INFO G 21 18 10 17 OR MARIJUANA EXCLUSION G 21 47 12 07 EMPLOYMENT RELATED PRACTICES EXCLUSION G 21 86 12 04 EXCL EXTERIOR INSULATION FINISH SYSTEM G 22 79 04 13 EXCL CONTRACTORS PROF LIAB G 24 14 04 13 WAIVER OF GOVERNMENTAL IMMUNITY G 24 17 10 01 CONTRACTUAL LIABILITY RAILROADS G 25 03 05 09 DESIGNATED CONSTRUCTION PROJECTS GENERAL G 25 04 05 09 DESIGNATED LOCATIONS GENERAL AGGREGATE G 30 45 10 17 OR MARIJUANA EXCLUSION G 99 05 10 17 OR MARIJUANA EXCLUSION | 2 |
Z ZURICH Important Notice In Witness Clause In return for the payment of premium and subject to the terms of this policy coverage is provided as stated in this policy. IN WITNESS WHEREOF this Company has executed and attested these presents and where required by law has caused this policy to be countersigned by its duly Authorized Representatives. e Lo RV President Corporate Secretary e President QUESTIONS ABOUT YOUR INSURANCE Your agent or broker is best equipped to provide information about your insurance. Should you require additional information or assistance in resolving a complaint call or write to the following please have your policy or claim number ready Zurich in North America Customer Inquiry Center 1299 Zurich Way Schaumburg lllinois 60196 1056 1 800 382 2150 Business Hours 8 am 4 pm CT Email info.sourcezurichna.com 56 4 pm CT S 1 800 382 U GU319 F 0109 Page I of 1 | 2 |
Policy Number GLO 5833581 06 SCHEDULE OF NAMED INSUREDS ZURICH AMERICAN INSURANCE COMPANY Named Insured KENNEDY JENKS CONSULTANTS Effective Date 10 01 18 1201 A.M Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 NAMED INSURED KENNEDY JENKS CONSULTANTS INC. KENNEDY JENKS TODD LLC KENNEDY JENKS CHILTON INC. KENNEDY JENKS ENGINEERS INC. KENNEDY ENGINEERS INC. KENNEDY ENGINEERS A PARTNERSHIP COMPOSED OF ROBERT M. KENNEDY DAVID D. KENNEDY AND THEODORE G. ERLER IIT KENNEDY ENGINEERS A PARTNERSHIP COMPOSED OF ROBERT M. KENNEDY DAVID D. KENNEDY THEODORE G. ERLER III AND RICHARD KENNEDY KENNEDY ENGINEERS A PARTNERSHIP COMPOSED OF RICHARD R. KENNEDY AND ROBERT M. KENNEDY RICHARD R. KENNEDY CONSULTING ENGINEER ENGINEERING OFFICE OF CLYDE C. KENNEDY PACIFIC ENVIRONMENTAL LABORATORY KENNEDY JENKS CONSULTANTS LABORATORY KENNEDY JENKS CHILTON LABORATORY KENNEDY JENKS ENGINEERS LABORATORY HCO ARCHITECTS KENNEDY ENGINEERS INTERNATIONAL A CORPORATION gggi iggRRISON INC. BUT ONLY AS RESPECTS WORK PERFORMED PRIOR TO JENKS ADAMSON INC. AND KENNEDY ENGINEERS INC AKA JENKS HARRISON INC. AND KENNEDY ENGINEERS INC. A JV FOR DESIGN AND CONSTRUCTION MANAGEMENT OF WATER POLLUTION CONTROL FACILITIES FOR EAST BAY DISCHARGERS AUTHORITY gggi igAMSON INC. BUT ONLY AS RESPECTS WORK PERFORMED PRIOR TO gggliQAMSON RETIRED BUT ONLY AS RESPECTS WORK PERFORMED PRIOR TO JOHN J. JENKS CONSULTING CIVIL AND SANITARY ENGINEER BUT ONLY AS RESPECTS WORK PERFORMED PRIOR TO 07011981 PAUL L. ADAMSON CONSULTING CIVIL ENGINEER BUT ONLY AS RESPECT WORK PERFORMED PRIOR TO 07011981 JOHN W. COLE A SOLE PROPRIETOR BUT ONLY AS RESPECTS WORK PERFORMED PRIOR TO 07011981 HUNT AND COMPANY ARCHITECTS CHILTON ENGINEERING CHARTERED BUT ONLY AS RESPECTS WORK PERFORMED PRIOR TO 01011986 CHILTON ENGINEERING PARTNERSHIP BUT ONLY AS RESPECTS WORK PERFORMED PRIOR TO 01011986 SETTIEMEYER CHILTON CONSULTING ENGINEERS BUT ONLY AS RESPECT WORK PERFORMED PRIOR TO 01011986 W.H. SETTIEMEYER CIVIL MINING ENGINEERS BUT ONLY AS RESPECTS WORK PERFORMED PRIOR TO 01011986 DE ARMAND SETTIEMEYER CONSULTING ENGINEERS BUT ONLY AS RESPECTS WORK PERFORMED PRIOR TO 01011986 RICKS TAYLOR ASSOCIATES INC. GTA ENGINEERING INC. FRED E. GOLDMAN P.E. USKH GOLDMAN FRED GOLDMAN ASSOCIATES GOLDMAN TOY ASSOCIATES INC. MEURER ASSOCIATES INC. ENGINEERING SOLUTIONS INC. U GU621 A CW 1002 SCHEDULE OF NAMED INSUREDS ZURICH AMERICAN INSURANCE COMPAL LO 5833581 06 tfantive Nata 1TMN119 NKS CONSULTANTS NTS INC. INC. s INC. ARTNERSHIP COMPOSED OF ROBERT M. KENNEDY DAVID RE G. ERLER III ARTNERSHIP COMPOSED OF ROBERT M. KENNEDY DAVID. ERLER III AND RICHARD KENNEDY ARTNERSHIP COMPOSED OF RICHARD R. KENNEDY AND NSULTING ENGINEER CLYDE C. KENNEDY LABORATORY NTS LABORATORY LABORATORY S LABORATORY RNATIONAL A CORPORATION BUT ONLY AS RESPECTS WORK PERFORMED PRIOR TO AND KENNEDY ENGINEERS INC AKA JENKS NEDY ENGINEERS INC. A JV FOR DESIGN AND I OF WATER POLLUTION CONTROL FACILITIES FOR EAST ITY BUT ONLY AS RESPECTS WORK PERFORMED PRIOR TO ED BUT ONLY AS RESPECTS WORK PERFORMED PRIOR TO ING CIVIL AND SANITARY ENGINEER BUT ONLY AS D PRIOR TO 07011981 LTNG CIVIL ENGINEER BUT ONLY AS RESPECT WORK 011981 ROPRIETOR BUT ONLY AS RESPECTS WORK PERFORMED ITECTS ARTERED BUT ONLY AS RESPECTS WORK PERFORMED RTNERSHIP BUT ONLY AS RESPECTS WORK PERFORMED OySULTING ENGINEERS BUT ONLY AS RESPECT WORK 011986 L 5 MINING ENGINEERS BUT ONLY AS RESPECTS WORK 011986 R CONSULTING ENGINEERS BUT ONLY AS RESPECTS 0 01011986 ATES INC. TES TES INC. NC. | 2 |
Policy Number GLO 5833581 06 SCHEDULE OF NAMED INSUREDS ZURICH AMERICAN INSURANCE COMPANY Named Insured KENNEDY JENKS CONSULTANTS Effective Date 10 01 18 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 NAMED INSURED HUNT AND COMPANY ARCHITECTS PRODUCED WATER DEVELOPMENT LLC KENNEDY JENKS CONSULTANTS ENGINEERS AND SCIENTISTS P.C. K J ENGINEERS AND GEOLOGISTS OF NEW YORK P.C. U GU621 A CW 1002 SCHEDULE OF NAMED INSUREDS ZURICH AMERICAN INSURANCE COMPAL LO 5833581 06 tfantive Nata 1TMN119 NKS CONSULTANTS UNT AND COMPANY ARCHITECTS RODUCED WATER DEVELOPMENT LLC ENNEDY JENKS CONSULTANTS ENGINEERS AND SCIENTISTS P.C. J ENGINEERS AND EOLOGISTS OF NEW YORK P.C. | 2 |
Z ZURICH INSTALLMENT PREMIUM SCHEDULE The total premium shown in the Declarations of this policy is made payable in installments on the dates and in the amounts shown below. NAMED INSURED POLICY NUMBER ENDORSEMENT NUMBER KENNEDY JENKS CONSULTANTS GLO 5833581 06 PAYMENT DUE 100118 110118 120118 010119 020119 030119 040119 050119 060119 070119 TOTAL STANDARD PREMIUM.00.00.00.00.00.00.00.00.00.00.00 TAXES PREPAID B R TOTAL PREMIUM.24.00.00.00.00.00.00.00.00.00.24 nan nan nan nan 30.24 Failure to pay the installment Premium by the Due Date shown shall constitute non payment of premium for which we may cancel this policy. U GU406 B 0715 | 2 |
Policy Number GLO 5833581 06 SCHEDULE OF LOCATIONS Zurich American Insurance Company Named Insured KENNEDY JENKS CONSULTANTS Effective Date 10 01 18 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC AgentNo. 37385 000 Designated Locations Address City State Zip Code Occupancy 1303 2ND ST ISTE 300S ISAN FRANCISCO CA 94107 4900 CALIFORNIA AVE TOWER B 2ND FL. IBAKERSFIELD CA 93309 13200 EL CAMINO REAL ISTE 200 IRVINE CA 92602 IALL WORK PERFORMED IN MA BOSTON MA 02108 10850 GOLD CENTER DR ISTE 350 IRANCHO CORDOVA CA 95670 6300 BRIDGE POINT PKWY BLDG 1 STE 230 IAUSTIN TX 78730 707 RICHARDS ST ISTE 528 HONOLULU H1 96813 2775 N VENTURA RD ISTE 100 OXNARD CA 93036 200 4TH ST ISTE 210 ISANTA ROSA CA 95401 1676 N CALIFORNIA BLVD ISTE 430 ALNUT CREEK CA 94595 240 COUNTRY CLUB RD ISTEA EUGENE OR 97401 U GU618 A CW 1002 SCHEDULE OF LOCATIONE Zurich American Insurance Comp GLO 5833581 06 4 Effective Date 10 01 18 1201 A.M. Standard Time NTS CISCO CA 94107 ORNIA AVE 2ND FL LD CA 93309 MINO REAL 92602 PERFORMED IN MA AA 02108 D CENTERDR ORDOVA CA 95670 SE POINT PKWY E 230 78730 DS ST U HI 96813 NTURARD JA 93036 SA CA 95401 IFORNIA BLVD REEK CA 94595 TRY CLUB RD R 97401 | 2 |
Policy Number GLO 5833581 06 SCHEDULE OF LOCATIONS Zurich American Insurance Company Named Insured KENNEDY JENKS CONSULTANTS Effective Date 10 01 18 1201 A.M. Standard Time AgentName LOCKTON COMPANIES LLC AgentNo. 37385 000 Designated Locations Address City State Zip Code 15800 FOXRIDGE DR ISTE 304 IMISSION KS 66202 Occupancy 1191 2ND AVE ISTE 630 ISEATTLE WA 98101 INO FIXED ADDRESS PHOENIX AZ 85001 143 UNION BLVD ISTE 600 ILAKEWOOD CO 80228 32001 32ND AVE S ISTE 100 FEDERAL WAY WA 98001 1620 N ST ILINCOLN NE 68508 421 SW6TH AVE ISTE 1000 PORTLAND OR 97204 5098 HWY 93S WHITEFISH MT 59937 INO FIXED ADDRESS IMINNEAPOLIS MN 55401 1515 E WOODFIELD RD ISTE 360 ISCHAUMBURG IL 60173 IALL WORK PERFORMED IN AZ PHOENIX AZ 85001 IALL WORK PERFORMED IN IA IDES MOINES IA 50301 U GU618 A CW 1002 SCHEDULE OF LOCATIONE Zurich American Insurance Comp GLO 5833581 06 4 Effective Date 10 01 18 1201 A.M. Standard Time NTS 566202 E A 98101 DDRESS Z 85001 3LVD CO 80228 AVES AY WA 98001 E 68508 AVE OR 97204 3S MT 59937 DDRESS 1S MN 55401 DFIELD RD RG IL 60173 ERFORMED IN AZ Z 85001 ERFORMED IN 1A S 1A 50301 | 2 |
Policy Number GLO 5833581 06 SCHEDULE OF LOCATIONS Zurich American Insurance Company Named Insured KENNEDY JENKS CONSULTANTS Effective Date 10 01 18 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC AgentNo. 37385 000 Designated Locations Address City State Zip Code IALL WORK PERFORMED IN SD PIERRE SD 57501 Occupancy IALL WORK PERFORMED IN ME HALLOWELL ME 04347 IALL WORK PERFORMED IN ND IBISMARCK ND 58501 IALL WORK PERFORMED IN OH COLUMBUS OH 43085 IALL WORK PERFORMED IN WY CHEYENNE WY 82001 1300 NORTH LAKE ST ISTE 1020 IPASADENA CA91101 639 HELENA AVE ISTE1A HELENA MT 59601 9665 GRANITE RIDGE DR ISTE 210 ISAN DIEGO CA 92123 405 E SUPERIOR ST ISTE 250 IDULUTH MN 55802 1 HGHWOOD DR BUILDING 1 STE 301 TEWKSBURY MA 01876 ALL WORK PERFORMED IN NJ TENTON NJ 08601 IALL WORK PERFORMED IN NM ISANTA FE NM 87501 U GU618 A CW 1002 SCHEDULE OF LOCATIONE Zurich American Insurance Comp GLO 5833581 06 4 Effective Date 10 01 18 1201 A.M. Standard Time NTS RRE SL 57001 L WORK PERFORMED IN ME LLOWELL ME 04347 L WORK PERFORMED IN ND SMARCK ND 58501 L WORK PERFORMED IN OH LUMBUS OH 43085 L WORK PERFORMED IN WY EYENNE WY 82001 NORTH LAKE ST E 1020 SADENA CA 91101 HELENA AVE E1A LENA MT 59601 55 GRANITE RIDGE DR E 210 N DIEGO CA 92123 E SUPERIOR ST E 250 LUTH MN 55802 IGHWOOD DR ILDING 1 STE 301 WKSBURY MA 01876 L WORK PERFORMED IN NJ NTON NJ 08601 L WORK PERFORMED IN NM NTA FE NM 87501 | 2 |
Policy Number GLO 5833581 06 SCHEDULE OF LOCATIONS Zurich American Insurance Company Named Insured KENNEDY JENKS CONSULTANTS Effective Date 10 01 18 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC AgentNo. 37385 000 Designated Locations Address City State Zip Code IALL WORK PERFORMED IN VA IRICHMOND VA 23173 Occupancy IALL WORK PERFORMED IN NC IRALEIGH NC 27601 INO FIXED ADDRESS IALBANY NY 12201 220 IMI KALA ST ISTE 205 AILUKU HI 96793 2350 MISSION COLLEGE BLVD ISTE 525 ISANTA CLARA CA 95054 214 CARNEGIE CTR ISTE 103 PRINCETON NJ 08540 175 FEDERAL ST ISTE 1210 BOSTON MA 02110 1700 PACIFIC AVE ISTE 4640 DALLAS TX 75201 INO FIXED ADDRESS IBATON ROUGE LA 70801 138977 SKY CANYON DR ISTE 100 IMURRIETA CA 92563 U GU618 A CW 1002 SCHEDULE OF LOCATIONE Zurich American Insurance Comp GLO 5833581 06 4 Effective Date 10 01 18 1201 A.M. Standard Time NTS AMOND VA 23173 L WORK PERFORMED IN NC LEIGH NC 27601 FIXED ADDRESS BANY NY 12201 IMIKALA ST E 205 ILUKU HI 96793 50 MISSION COLLEGE BLVD E 525 NTA CLARA CA 95054 4 CARNEGIE CTR E 103 INCETON NJ 08540 FEDERAL ST E 1210 STON MA 02110 0 PACIFIC AVE E 4640 LLAS TX 75201 FIXED ADDRESS TON ROUGE LA 70801 77 SKY CANYON DR E 100 JRRIETA CA 92563 | 2 |
Z ZURICH Knowledge by Position or Department Policy No. ET. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer No. Addl. Prem Return Prem. GLO 5833581 06 10012018 10012019 37385000 INCL THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Business Auto Coverage Part Commercial General Liability Coverage Part Liquor Liability Coverage Part Products Completed Operations Liability Coverage Part Railroad Protective Liability Coverage Part SCHEDULE CHIEF ADMINISTRATIVE OFFICER Position or Department OR GENERAL COUNSEL The following Condition is added Knowledge By Your Employee 1. Knowledge of an accident occurrence offense injury claim suit or loss by your employee will not in and of itself be considered your knowledge of the accident occurrence offense injury claim suit or loss unless an employee who a. Holds a position or b. Is a member of a department shown in the Schedule of this endorsement receives such knowledge. 2. This endorsement does not apply unless the Schedule of this endorsement indicates at least one Position or Department. All other terms and conditions of this policy remain unchanged. U GU1016 A CW 0610 Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
IL 00 17 11 98 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. D. Cancellation 1. The first Named Insured shown in the Declara tions may cancel this policy by mailing or de livering to us advance written notice of cancel lation. 2. We may cancel this policy by mailing or deliv ering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancel lation if we cancel for nonpayment of pre mium or b. 30 days before the effective date of cancel lation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed proof of mailing will be suf ficient proof of notice. Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy s terms can be amended or waived only by endorsement issued by us and made a part of this policy. Examination Of Your Books And Records We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward. Inspections And Surveys 1. We have the right to a. Make inspections and surveys at any time E. b. Give you reports on the conditions we find and Recommend changes. 2. We are not obligated to make any inspections surveys reports or recommendations and any such actions we do undertake relate only to in surability and the premiums to be charged. We do not make safety inspections. We do not un dertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not war rant that conditions a. Are safe or healthful or b. Comply with laws regulations codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us but also to any rating advisory rate service or similar organization which makes in surance inspections surveys reports or recom mendations. 4. Paragraph 2. of this condition does not apply to any inspections surveys reports or recommen dations we may make relative to certification under state or municipal statutes ordinances or regulations of boilers pressure vessels or ele The first Named Insured shown in the Declarations 1. Is responsible for the payment of all premiums and 2. Will be the payee for any return premiums we pay. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named insured. If you die your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representa tive. Until your legal representative is appointed anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. Pagelof1 O IL 00 17 11 98 Copyright Insurance Services Office Inc. 1998 | 2 |
IL 00 21 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply A. Under any Liability Coverage to bodily injury or property damage 1 With respect to which an insured under 2 the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance Association Mutual Atomic Energy Liability Underwrit ers Nuclear Insurance Association of Can ada or any of their successors or would be an insured under any such policy but for its termination upon exhaustion of its limit of li ability or Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is re quired to maintain financial protection pur suant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the in sured is or had this policy not been issued would be entitled to indemnity from the United States of America or any agency thereof under any agreement entered into C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear 2 3 facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom The nuclear material is contained in spent fuel or waste at any time possessed han dled used processed stored transported or disposed of by or on behalf of an in sured or The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. by the United States of America or any 2 agency thereof with any person or organi zation. B. Under any Medical Payments coverage to expenses incurred with respect to bodily in jury resulting from the hazardous properties of nuclear material and arising out of the op eration of a nuclear facility by any person or organization.. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material special nuclear material or by product material. C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom 2 The nuclear material is contained in spent fuel or waste at any time possessed han dled used processed stored transported or disposed of by or on behalf of an in sured or The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material special nuclear material or by product material. 3 IL 00 21 09 08 ISO Properties Inc. 2007 Page 10f 2 m | 2 |
Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or exposed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or or ganization of any nuclear facility included under the first two paragraphs of the definition of nu clear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste c d Any equipment or device used for the proc essing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of pluto nium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 Any structure basin excavation premises or place prepared or used for the storage or disposal of waste and includes the site on which any of the forego ing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioactive contamination of property. Page 2 of 2 ISO Properties Inc. 2007 IL 00 21 09 08 o | 2 |
IL 027009 12 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 2. and 3. of the Cancellation 3. All Policies In Effect For More Than 60 Days figmn Policy Condition are replaced by the a. If this policy has been in effect for more 9 than 60 days or is a renewal of a policy we 2. All Policies In Effect For 60 Days Or Less issued we may cancel this policy only upon If this policy has been in effect for 60 days or the occurrence after the effective de of less and is not a renewal of a policy we have the policy of one or more of the following previously issued we may cancel this policy by 1 Nonpayment of premium including mailing or delivering to the first Named Insured payment due on a prior policy we issued at the mailing address shown in the policy and and due during the current policy term to the producer of record advance written covering the same risks. notice of cancellation stating the reason for 2 Discovery of fraud or material cancellation at least misrepresentation by a. 10 days before the effective date of Any insured or his or her cancellation if we cancel for representative in obtaining this 1 Nonpayment of premium or insurance or 2 Discovery of fraud by b You or vyour representative in a Any insured or his or her pursuing a claim under this policy. representative in obtaining this 3 A judgment by a court or an insurance or administrative tribunal that you have b You or your representative in violated a California or Federal law having as one of its necessary elements pursuing a claim under this policy... an act which materially increases any of b. 30 days before the effective date of the risks insured against. cancellation if we cancel for any other reason. IL 027009 12 Insurance Services Office Inc. 2012 Page 1of 4 | 2 |
4 Discovery of willful or grossly negligent acts or omissions or of any violations of state laws or regulations establishing safety standards by you or your representative which materially increase any of the risks insured against. Failure by you or your representative to implement reasonable loss control requirements agreed to by you as a condition of policy issuance or which were conditions precedent to our use of a particular rate or rating plan if that failure materially increases any of the risks insured against. 6 A determination by the Commissioner of Insurance that the a Loss of or changes in our reinsurance covering all or part of the risk would threaten our financial integrity or solvency or b Continuation of the policy coverage would i Place us in violation of California law or the laws of the state where we are domiciled or ii Threaten our solvency. 7 A change by you or your representative in the activities or property of the commercial or industrial enterprise which results in a materially added increased or changed risk unless the added increased or changed risk is included in the policy.. We will mail or deliver advance written notice of cancellation stating the reason for cancellation to the first Named Insured at the mailing address shown in the policy and to the producer of record at least 1 10 days before the effective date of 5 cancellation if we cancel for nonpayment of premium or discovery of fraud or 2 30 days before the effective date of cancellation if we cancel for any other reason listed in Paragraph 3.a. B. The following provision is added to the Cancellation Common Policy Condition 7. Residential Property This provision applies to coverage on real property which is used predominantly for residential purposes and consisting of not more than four dwelling units and to coverage on tenants household personal property in a residential unit if such coverage is written under one of the following Commercial Property Coverage Part Farm Coverage Part Farm Property Farm Dwellings Appurtenant Structures And Household Personal Property Coverage Form a. If such coverage has been in effect for 60 days or less and is not a renewal of coverage we previously issued we may cancel this coverage for any reason except as provided in b.and c. below. b. We may not cancel this policy solely because the first Named Insured has 1 Accepted an offer of earthquake coverage or 2 Cancelled or did not renew a policy issued by the California Earthquake Authority CEA that included an earthquake policy premium surcharge. However we shall cancel this policy if the first Named Insured has accepted a new or renewal policy issued by the CEA that includes an earthquake policy premium surcharge but fails to pay the earthquake policy premium surcharge authorized by the CEA. c. We may not cancel such coverage solely because corrosive soil conditions exist on the premises. This restriction c. applies only if coverage is subject to one of the following which exclude loss or damage caused by or resulting from corrosive soil conditions 1 Commercial Property Coverage Part Causes Of Loss Special Form or 2 Farm Coverage Part Causes Of Loss Form Farm Property Paragraph D. Covered Causes Of Loss Special. Page 2 of 4 Insurance Services Office Inc. 2012 IL 027009 12 | 2 |
C. The following is added and supersedes any provisions to the contrary Nonrenewal 1. Subject to the provisions of Paragraphs C.2. and C.3. below if we elect not to renew this policy we will mail or deliver written notice stating the reason for nonrenewal to the first Named Insured shown in the Declarations and to the producer of record at least 60 days but not more than 120 days before the expiration or anniversary date. We will mail or deliver our notice to the first Named Insured and to the producer of record at the mailing address shown in the policy. 2. Residential Property This provision applies to coverage on real property used predominantly for residential purposes and consisting of not more than four dwelling units and to coverage on tenants household property contained in a residential unit if such coverage is written under one of the following Commercial Property Coverage Part Farm Coverage Part Farm Property Farm Dwellings Appurtenant Structures And Household Personal Property Coverage Form a. We may elect not to renew such coverage for any reason except as provided in b. c. and d. below. b. We will not refuse to renew such coverage solely because the first Named Insured has accepted an offer of earthquake coverage. However the following applies only to insurers who are associate participating insurers as established by Cal. Ins. Code Section 10089.16. We may elect not to renew such coverage after the first Named Insured has accepted an offer of earthquake coverage if one or more of the following reasons applies 1 The nonrenewal is based on sound underwriting principles that relate to the coverages provided by this policy and that are consistent with the approved rating plan and related documents filed with the Department of Insurance as required by existing law 2 The Commissioner of Insurance finds that the exposure to potential losses will threaten our solvency or place us in a hazardous condition. A hazardous condition includes but is not limited to a condition in which we make claims payments for losses resulting from an earthquake that occurred within the preceding two years and that required a reduction in policyholder surplus of at least 25 for payment of those claims or 3 We have a Lost or experienced a substantial reduction in the availability or scope of reinsurance coverage or b Experienced a substantial increase in the premium charged for reinsurance coverage of our residential property insurance policies and the Commissioner has approved a plan for the nonrenewals that is fair and equitable and that is responsive to the changes in our reinsurance position. c. We will not refuse to renew such coverage solely because the first Named Insured has cancelled or did not renew a policy issued by the California Earthquake Authority that included an earthquake policy premium surcharge. d. We will not refuse to renew such coverage solely because corrosive soil conditions exist on the premises. This restriction d. applies only if coverage is subject to one of the following which exclude loss or damage caused by or resulting from corrosive soil conditions 1 Commercial Property Coverage Part Causes Of Loss Special Form or 2 Farm Coverage Part Causes Of Loss Form Farm Property Paragraph D. Covered Causes Of Loss Special. 3. We are not required to send notice of nonrenewal in the following situations a. If the transfer or renewal of a policy without any changes in terms conditions or rates is between us and a member of our insurance group. IL 027009 12 Insurance Services Office Inc. 2012 Page 3 of 4 | 2 |
b. If the policy has been extended for 90 days or less provided that notice has been given in accordance with Paragraph C.1.. If you have obtained replacement coverage or if the first Named Insured has agreed in writing within 60 days of the termination of the policy to obtain that coverage.. If the policy is for a period of no more than 60 days and you are notified at the time of issuance that it will not be renewed. e. If the first Named Insured requests a change in the terms or conditions or risks covered by the policy within 60 days of the end of the policy period.. If we have made a written offer to the first Named Insured in accordance with the timeframes shown in Paragraph C.1. to renew the policy under changed terms or conditions or at an increased premium rate when the increase exceeds 25. Page 4 of 4 Insurance Services Office Inc. 2012 IL 027009 12 | 2 |
IL0277 0118 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LOUISIANA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM QUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART STANDARD PROPERTY POLICY A. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following which applies unless Paragraph B. of this endorsement applies 2. Notice Of Cancellation a. Cancellation Of Policies In Effect For Fewer Than 60 Days Which Are Not Renewals If this policy has been in effect for fewer than 60 days and is not a renewal of a policy we issued we may cancel this policy for any reason subject to the following 1 Cancellation for nonpayment of premium We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least 10 days before the effective date of cancellation. Cancellation for any other reason We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least 60 days before the effective date of cancellation. 2 b. Cancellation Of Renewal Policies And New Policies In Effect For 60 Days Or More If this policy has been in effect for 60 days or more or is a renewal of a policy we issued we may cancel only for one or more of the following reasons 1 Nonpayment of premium 2 Fraud or material misrepresentation made by you or with your knowledge with the intent to deceive in obtaining the policy continuing the policy or in presenting a claim under the policy Activities or omissions by you which change or increase any hazard insured against Change in the risk which increases the risk of loss after we issued or renewed this policy including an increase in exposure due to regulation legislation or court decision Determination by the Commissioner of Insurance that the continuation of this policy would jeopardize our solvency or would place us in violation of the insurance laws of this or any other state 3 4 5 b. Cancellation Of Renewal Policies And New Policies In Effect For 60 Days Or More If this policy has been in effect for 60 days or more or is a renewal of a policy we issued we may cancel only for one or more of the following reasons 1 Nonpayment of premium 2 Fraud or material misrepresentation made by you or with your knowledge with the intent to deceive in obtaining the policy continuing the policy or in presenting a claim under the policy Activities or omissions by you which change or increase any hazard insured against Change in the risk which increases the risk of loss after we issued or renewed this policy including an increase in exposure due to regulation legislation or court decision Determination by the Commissioner of Insurance that the continuation of this policy would jeopardize our solvency or would place us in violation of the insurance laws of this or any other state 3 4 5 IL02770118 Insurance Services Office Inc. 2017 Page 1 of 3 | 2 |
6 The insured s violation or breach of any policy terms or conditions or 7 Any other reasons that are approved by the Commissioner of Insurance. We will mail or deliver written notice of cancellation under Paragraph A.2.b. to the first Named Insured at least a 10 days before the effective date of cancellation if we cancel for nonpayment of premium or b 30 days before the effective date of cancellation if we cancel for a reason described in Paragraphs A.2.b.2 through 7 above. B. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following which applies with respect to premium payments due on new and renewal policies including installment payments 2. Notice Of Cancellation a. If your premium payment check or other negotiable instrument is returned to us or our agent or a premium finance company because it is uncollectible for any reason we may cancel the policy subject to Paragraphs B.2.b. and B.2.c. b. We may cancel the policy effective from the date the premium payment was due by sending you written notice by certified mail or by delivering such notice to you within 10 days of the date that we receive notice of the returned check or negotiable instrument. c. The cancellation notice will also advise you that the policy will be reinstated effective from the date the premium payment was due if you present to us a cashier s check or money order for the full amount of the returned check or other negotiable instrument within 10 days of the date that the cancellation notice was mailed. C. With respect to the Coverage Parts and Policies to which this endorsement applies except the Equipment Breakdown Coverage Part Paragraph 5. of the Cancellation Common Policy Condition is replaced by the following 5. Premium Refund If this policy is cancelled we will return any premium refund due subject to Paragraphs C.5.a. C.5.b. Cb5.c C.5d. and C.5.e. The cancellation will be effective even if we have not made or offered a refund. a. If the first Named Insured cancels the refund will not be less than 90 of the pro rata unearned premium rounded to the next higher whole dollar. The refund will be returned within 30 days after the effective date of cancellation. We will send the refund to the first Named Insured and any mortgagee that has provided us with written notice of the percentage of the premium being funded with the mortgagee s own funds. The percentage of the unearned premium attributable to the mortgagee shall be returned to the mortgagee and the percentage of the unearned premium attributable to the first Named Insured shall be returned to the first Named Insured. b. If we cancel the refund will be pro rata and we will send the refund to the first Named Insured unless Paragraph C.5.c. or C.5.d. applies. c. If we cancel based on Paragraph B.2. of this endorsement we will return the premium due if any within 10 days after the expiration of the 10 day period referred to in B.2.c. If the policy was financed by a premium finance company or if payment was advanced by the insurance agent we will send the return premium directly to such payor. d. With respect to any cancellation of the Commercial Auto Coverage Part we will send the return premium if any to the premium finance company if the premium was financed by such company. e. When return premium payment is sent to the premium finance company or the agent of the insured we will provide notice to you at the time of cancellation that a return of unearned premium may be generated by the cancellation. D. With respect to the Equipment Breakdown Coverage Part Paragraph 5. of the Cancellation Common Policy Condition is replaced by the following 5. Premium Refund If this policy is cancelled we will return any premium refund due subject to Paragraphs D.5.a. D.5.b. D.5.c. D.5.d. and D.5.e. The cancellation will be effective even if we have not made or offered a refund. a. If we cancel the refund will be pro rata. Page 2 of 3 Insurance Services Office Inc. 2017 IL0277 0118 | 2 |
b. If the first Named Insured cancels the refund will not be less than 75 of the pro rata unearned premium rounded to the next higher whole dollar. The refund will be returned within 30 days after the effective date of cancellation. c. We will send the refund to the first Named Insured unless Paragraph D.5.d. applies. d. If we cancel based on Paragraph B.2. of this endorsement we will return the premium due if any within 10 days after the expiration of the 10 day period referred to in B.2.c. If the policy was financed by a premium finance company or if payment was advanced by the insurance agent we will send the return premium directly to such payor. e. When return premium payment is sent to the premium finance company or the agent of the insured we will provide notice to you at the time of cancellation that a return of unearned premium may be generated by the cancellation. E. The Premiums Common Policy Condition is replaced by the following Premiums 1. The first Named Insured shown in the Declarations is responsible for the payment of all premiums. 2. We will pay return premiums if any to the first Named Insured unless another person or entity is entitled to be the payee in accordance with Paragraph C. or D. of this endorsement. F. Paragraph f. of the Mortgageholders Condition in the Commercial Property Coverage Part Standard Property Policy and the Capital Assets Program Output Policy Coverage Part and Paragraph 4.f. of the Mortgageholders Condition in the Farm Coverage Part are replaced by the following If we cancel a policy that has been in effect for fewer than 60 days and is not a renewal of a policy we issued we will give written notice to the mortgageholder pledgee or other known person shown in the policy to have an insurable interest in any loss at least 1 10 days before the effective date of cancellation if we cancel for nonpayment of premium or 2 60 days before the effective date of cancellation if we cancel for any other reason. If we cancel a policy that has been in effect for 60 days or more or is a renewal of a policy we issued we will give written notice to the mortgageholder pledgee or other known person shown in the policy to have an insurable interest in any loss at least 1 10 days before the effective date of cancellation if we cancel for nonpayment of premium or 2 30 days before the effective date of cancellation if we cancel for any other reason. G. The following is added and supersedes any other provision to the contrary Nonrenewal 1. If we decide not to renew this policy we will mail or deliver written notice of nonrenewal to the first Named Insured mortgageholder pledgee or other known person shown in the policy to have an insurable interest in any loss at least 60 days before its expiration date or its anniversary date if it is a policy written for a term of more than one year or with no fixed expiration date.. We need not mail or deliver this notice if a. We or another company within our insurance group have offered to issue a renewal policy or b. You have obtained replacement coverage or have agreed in writing to obtain replacement coverage.. Any notice of nonrenewal will be mailed or delivered to the first Named Insured mortgageholder pledgee or other known person shown in the policy to have an insurable interest in any loss at the last mailing address known to us. If notice is mailed proof of mailing will be sufficient proof of notice.. Such notice to the insured shall include the insured s loss run information for the period the policy has been in force within but not to exceed the last three years of coverage. IL02770118 Insurance Services Office Inc. 2017 Page 3 of 3 | 2 |
IL 00 03 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALCULATION OF PREMIUM This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART The following is added The premium shown in the Declarations was com puted based on rates in effect at the time the policy was issued. On each renewal continuation or anni versary of the effective date of this policy we will compute the premium in accordance with our rates and rules then in effect. IL 00 03 09 08 ISO Properties Inc. 2007 Page 10f 1 m | 2 |
Z ZURICH SANCTIONS EXCLUSION ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY The following exclusion is added to the policy to which it is attached and supersedes any existing sanctions language in the policy whether included in an Exclusion Section or otherwise SANCTIONS EXCLUSION Notwithstanding any other terms under this policy we shall not provide coverage nor will we make any payments or provide any service or benefit to any insured beneficiary or third party who may have any rights under this policy to the extent that such cover payment service benefit or any business or activity of the insured would violate any applicable trade or economic sanctions law or regulation. The term policy may be comprised of common policy terms and conditions the declarations notices schedule coverage parts insuring agreement application enrollment form and endorsements or riders if any for each coverage provided. Policy may also be referred to as contract or agreement. We may be referred to as insurer underwriter we us and our or as otherwise defined in the policy and shall mean the company providing the coverage. Insured may be referred to as policyholder named insured covered person additional insured or claimant or as otherwise defined in the policy and shall mean the party person or entity having defined rights under the policy. These definitions may be found in various parts of the policy and any applicable riders or endorsements. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED U GU1191 A CW 0315 Page I of 1 | 2 |
Z ZURICH Important Notice Texas Safety Consultation Services Zurich in North America has loss control services available at no additional charge. If you would like additional information regarding these services please contact us at the address or phone listed below. Zurich Services Corporation Risk Engineering 1299 Zurich Way Schaumburg lllinois 60196 1056 1 800 982 5964 By email risk.engineeringzurichna.com LC373 D TX 1117 Page 1 of 1 | 2 |
Z ZURICH Hlinois Civil Union Act Policyholder Notice On June 1 2011 Public Act 96 1513 the Religious Freedom Protection and Civil Union Act the Act became effective. Under the Act both same sex and opposite sex couples may enter into a civil union. A party to a civil union is entitled to the same legal obligations responsibilities protections and benefits as are afforded or recognized by the law of lllinois a spouse whether they derive from statute administrative rule common law or any other source of civil or criminal law. A marriage between persons of the same sex a civil union or a substantially similar legal relationship other than common law marriage legally entered into in another jurisdiction shall be legally recognized in lllinois as a civil union. CAUTION FEDERAL LAW RIGHTS MAY OR MAY NOT BE AVAILABLE llinois law grants parties to a civil union the same benefits protections and responsibilities that flow from marriage under state law. However some or all of the benefits protections and responsibilities related to health insurance that are available to married persons under federal law may not be available to parties to a civil union. For example the Employee Retirement Income Security Act of 1974 a federal law known as ERISA controls the employer employee relationship with regard to determining eligibility for enrollment in private employer health benefit plans. Because of ERISA Act 91 does not state requirements pertaining to a private employer s enrollment of a party to a civil union in an ERISA employee welfare benefit plan. However governmental employers not federal government are required to provide health benefits to the dependents of a party to a civil union if the public employer provides health benefits to the dependents of married persons. Federal law also controls group health insurance continuation rights under COBRA for employers with 20 or more employees as well as the Internal Revenue Code treatment of health insurance premiums. As a result parties to a civil union and their families may or may not have access to certain benefits under this policy contract certificate rider or endorsement that derive from federal law. You are advised to seek expert advice to determine your rights. U GU1110 B IL 1011 Pagel of 1 | 2 |
Z ZURICH Colorado Civil Union Act Policyholder Notice On January 1 2014 the Civil Union Act the Act becomes effective. Under the Act two persons of the same sex may enter into a civil union. A party to a civil union is entitled to the same legal obligations responsibilities protections and benefits as are afforded or recognized by the law of Colorado to a spouse whether they derive from statute administrative rule common law or any other source of civil or criminal law. The Act further provides that a party to a civil union shall be included in any definition or use of the term dependent family heir immediate family next of kin spouse and other terms that denote a familial or spousal relationship. A marriage between persons of the same sex a civil union domestic partnerships or a substantially similar legal relationship legally entered into in another jurisdiction shall be legally recognized in Colorado as a civil union. U GU1169 A CO 0613 Page I of 1 | 2 |
Z ZURICH Notification to Others of Cancellation Policy No. ET. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer No. Addl. Prem Return Prem. GLO 5833581 06 10012018 10012019 37385000 INCL THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part Liquor Liability Coverage Part Products Completed Operations Liability Coverage Part A. If we cancel this Coverage Parts by written notice to the first Named Insured for any reason other than nonpayment of premium we will mail or deliver a copy of such written notice of cancellation 1. To the name and address corresponding to each person or organization shown in the Schedule below and 2. Atleast 10 days prior to the effective date of the cancellation as advised in our notice to the first Named Insured or the longer number of days notice if indicated in the Schedule below. B. If we cancel this Coverage Parts by written notice to the first Named Insured for nonpayment of premium we will mail or deliver a copy of such written notice of cancellation to the name and address corresponding to each person or organization shown in the Schedule below at least 10 days prior to the effective date of such cancellation. C. If notice as described in Paragraphs A. or B. of this endorsement is mailed proof of mailing will be sufficient proof of such notice. SCHEDULE N Number of ame and Address of Other Persons Organizations Days Notice PORT OF TACOMA 45 PO BOX 1837 TACOMA WA 98401 1837 All other terms and conditions of this policy remain unchanged. U GL1446 A CW 0510 Page 10f2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Z ZURICH Notification to Others of Cancellation Policy No. ET. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer No. Addl. Prem Return Prem. GLO 5833581 06 10012018 10012019 37385000 INCL THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part Liquor Liability Coverage Part Products Completed Operations Liability Coverage Part A. If we cancel this Coverage Parts by written notice to the first Named Insured for any reason other than nonpayment of premium we will mail or deliver a copy of such written notice of cancellation 1. To the name and address corresponding to each person or organization shown in the Schedule below and 2. Atleast 10 days prior to the effective date of the cancellation as advised in our notice to the first Named Insured or the longer number of days notice if indicated in the Schedule below. B. If we cancel this Coverage Parts by written notice to the first Named Insured for nonpayment of premium we will mail or deliver a copy of such written notice of cancellation to the name and address corresponding to each person or organization shown in the Schedule below at least 10 days prior to the effective date of such cancellation. C. If notice as described in Paragraphs A. or B. of this endorsement is mailed proof of mailing will be sufficient proof of such notice. SCHEDULE Number of Name and Address of Other Persons Organizations Days Notice CITY OF AUSTIN 30 CONTRACT MANAGEMENT DEPARTMENT PO BOX 1088 AUSTIN TX 78767 All other terms and conditions of this policy remain unchanged. U GL1446 A CW 0510 Page 20f 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Z ZURICH Recording And Distribution Of Material Information In Violation Of Law Exclusion Policy No. ET. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer No. Addl. Prem Return Prem. GLO 5833581 06 10012018 10012019 37385000 INCL THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part A. Exclusion q. Recording And Distribution Of Material Or Information In Violation Of Law of Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following 2. Exclusions This insurance does not apply to q. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage directly or indirectly arising out of or based upon any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transaction Act FACTA or 4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions or any other legal liability at common law or otherwise that addresses prohibits or limits the printing dissemination disposal monitoring collecting recording use of sending transmitting communicating or distribution of material or information. B. Exclusion p. Recording And Distribution Of Material Or Information In Violation Of Law of Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability is replaced by the following 2. Exclusions This insurance does not apply to p Recording And Distribution Of Material Or Information In Violation Of Law Personal and advertising injury directly or indirectly arising out of or based upon any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transaction Act FACTA or U GL1517 B CW 0413 Page 10f 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions or any other legal liability at common law or otherwise that addresses prohibits or limits the printing dissemination disposal monitoring collecting recording use of sending transmitting communicating or distribution of material or information. All other terms and conditions of this policy remain unchanged. U GL1517 B CW 0413 Page 2 0f 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Z ZURICH Broadened Named Insured Policy No. Eff. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer No. Addl. Prem Return Prem. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part A. The following is added to Section Il Who Is An Insured 1. Any current organization of yours other than a partnership joint venture or limited liability company which is not shown in the Declarations will qualify as a Named insured if a. Such entity has been incorporated or organized prior to the effective date of this policy under the laws of the United States of America including its territories and possessions Puerto Rico or Canada and b. You maintain ownership or majority interest in such organization as of the effective date of this Coverage Part. Coverage is afforded only until the 1g0th day after inception of our policy or the end of the policy period whichever is earlier unless you notify and provide information to us before the end of this timeframe as to the nature and operations of such organization. With regard to any terminated partnership or joint venture not shown in the Declarations you are an insured as respects the products completed operations hazard only for bodily injury or property damage arising out of such terminated partnership or joint venture. The insurance provided by this provision will not inure to the benefit of any party except you. To the extent only that coverage is provided in Paragraph A.2. above for organizations not shown in the Declarations the last sentence under Section Il Who Is An Insured does not apply. B. Paragraph 3. of Section Il Who Is An Insured is replaced by the following 3. Any organization you newly acquire or form during the policy period other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest in such organization will qualify as a Named Insured if there is no other similar insurance available to that organization. However a. Coverage under this provision is afforded only until the 1g0th day after you acquire or form the organization or the end of the policy period whichever is earlier b. Coverage A does not apply to bodily injury or property damage that occurred before you acquired or formed the organization and c. Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the organization. C. Solely with respect to Paragraphs A. and B. of this endorsement the following is added to Paragraph b. Excess Insurance of Paragraph 4. Other Insurance under Section IV Commercial General Liability Conditions after Paragraphs ai through aiv b. Excess Insurance 1 This insurance is excess over a Any of the other insurance whether primary excess contingent or on any other basis v Thatis or was purchased to insure U GL1518 A CW 0413 Page 10f 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
aa Your participation in a partnership or joint venture which terminated or ended prior to the effective date of this policy or bb An organization not shown as a Named Insured at inception of our policy to the extent such organization is an insured as described in Paragraphs A. and B. of this endorsement. All other terms and conditions of this policy remain unchanged. U GL1518 A CW 0413 Page 20f 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Z ZURICH Blanket Notification to Others of Cancellation or Non Renewal Policy No. ET. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer No. Addl. Prem Return Prem. GLO 5833581 06 10012018 10012019 37385000 INCL THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part A If we cancel or non renew this Coverage Part by written notice to the first Named Insured we will mail or deliver notification that such Coverage Part has been cancelled or non renewed to each person or organization shown in a list provided to us by the first Named Insured if you are required by written contact or written agreement to provide such notification. However such notification will not be mailed or delivered if a conditional notice of renewal has been sent to the first Named Insured. Such list 1. Must be provided to us prior to cancellation or non renewal 2. Must contain the names and addresses of only the persons or organizations requiring notification that such Coverage Part has been cancelled or non renewed and 3. Must be in an electronic format that is acceptable to us. Our notification as described in Paragraph A. of this endorsement will be based on the most recent list in our records as of the date the notice of cancellation or non renewal is mailed or delivered to the first Named Insured. We will mail or deliver such notification to each person or organization shown in the list 1. Within seven days of the effective date of the notice of cancellation if we cancel for non payment of premium or 2. Atleast 30 days prior to the effective date of a. Cancellation if cancelled for any reason other than nonpayment of premium or b. Non renewal but not including conditional notice of renewal. Our mailing or delivery of notification described in Paragraphs A. and B. of this endorsement is intended as a courtesy only. Our failure to provide such mailing or delivery will not 1. Extend the Coverage Part cancellation or non renewal date 2. Negate the cancellation or non renewal or 3. Provide any additional insurance that would not have been provided in the absence of this endorsement. We are not responsible for the accuracy integrity timeliness and validity of information contained in the list provided to us as described in Paragraphs A. and B. of this endorsement. All other terms and conditions of this policy remain unchanged. U GL1521 A CW 1012 Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Z ZURICH Policyholder Notice General Liability Access Or Disclosure Of Confidential Or Personal Information Exclusions This Notice does not form part of your policy. No coverage is provided by this Notice nor can it be construed to replace any provision of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. If there is a conflict between the Policy and this Notice THE PROVISIONS OF THE POLICY SHALL PREVAIL. Carefully read your policy including the endorsements attached to your policy. This Notice provides information concerning the following new endorsements which applies to your renewal policy being issued by us CG 21 06 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information And Data related Liability With Limited Bodily Injury Exception For Use With The Commercial General Liability Coverage Part When this endorsement is attached to your policy Under Coverage A Bodily Injury And Property Damage Liability coverage is excluded for damages arising out of any access to or disclosure of any person s or organization s confidential or personal information. This is a reinforcement of coverage intent. Under Coverage B Personal And Advertising Injury Liability coverage is excluded for personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person s right of privacy this may result in a reduction in coverage. CG 21 07 05 14 Exclusion Access or Disclosure of Confidential or Personal Information and Data related Liability Limited Bodily Injury Exception Not Included For Use With The Commercial General Liability Coverage Part When this endorsement is attached to your policy Under Coverage A Bodily Injury And Property Damage Liability coverage is excluded for damages arising out of any access to or disclosure of any person s or organization s confidential or personal information. This is a reinforcement of coverage intent. Coverage is also excluded for damages because of bodily injury arising out of loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. This is a reduction of coverage. Under Coverage B Personal and Advertising Injury Liability coverage is excluded for personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person s right of privacy this may result in a reduction of coverage. CG 21 08 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information Coverage B Only For Use With The Commercial General Liability Coverage Part When this endorsement is attached to your policy coverage is excluded for personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person s right of privacy this may result in a reduction in coverage. U GL2110 A CW 0115 Page 10f 2 | 2 |
CG 04 37 05 14 Electronic Data Liability For Use With The Commercial General Liability Coverage Part With respect to damages arising out of any access to or disclosure of any person s or organization s confidential or personal information when this endorsement is attached to your policy Under Coverage A Bodily Injury And Property Damage Liability coverage is excluded for damages arising out of any access to or disclosure of any person s or organization s confidential or personal information. This is a reinforcement of coverage intent. Under Coverage B Personal And Advertising injury Liability coverage is excluded for personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person s right of privacy this may result in a reduction of coverage. CG 33 53 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information And Data related Liability With Limited Bodily Injury Exception For Use With The Owners and Contractors Protective Liability Coverage Part and Products Completed Operations Coverage Parts When this endorsement is attached to your policy coverage is excluded for damages arising out of any access to or disclosure of any person s or organization s confidential or personal information. This is a reinforcement of coverage intent. CG 33 59 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information And Data related Liability Limited Bodily Injury Exception Not Included For Use With The Owners And Contractors Protective Liability and Products Completed Operations Liability Coverage Parts When this endorsement is attached to your policy coverage is excluded for damages arising out of any access to or disclosure of any person s or organization s confidential or personal information. This is a reinforcement of coverage intent. Coverage is also excluded for damages because of bodily injury arising out of loss loss of use of damage to corruption of inability to access or inability to manipulate electronic data. This is a reduction of coverage. U GL2110 A CW 0115 Page 2of 2 | 2 |
Employee Benefits Liability Claims Made Coverage Form This Coverage Form provides claims made coverage. Please read the entire form carefully. Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declara tions. The words we us and our refer to the Company providing this insurance. Other words and phrases that appear in quotes have special meaning. Refer to the Definitions Section. Section I. Coverage Employee Benefit Liability 1. Insuring Agreement 2 A claim will be deemed to have been made. when notice of such claim is received and re A. We will pay those sums that the insured becomes legally obligated to pay as damages because of an act error or omission in the administration of the insured s employee benefit programs. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against seeking damages for any act error or omission for which this insurance does not apply. We may at our discretion investigate any claim and settle any suit that may result but 1 The amount we pay for damages is limited as described in Section II. Limits of Insurance of this Coverage Part and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements un der this Employee Benefit Liability coverage. No other obligation or liability to pay sums or per form acts or services is covered unless explicitly provided for under Supplementary Payments of this Coverage Part. 1 This insurance applies to an act error or omis sion only if a. sing out of the act error or st made against any insured during the policy period b. The act error or omission takes place in the coverage territory c. The insured had no knowledge of and could not have reasonably foreseen any circumstances which might result in a claim or suit and d. The act error or omission did not occur before the Retroactive Date if any shown in the Declarations or after the end of the policy period. corded by any insured or by us whichever comes fi All claims for damages to the same person or organization will be deemed to have been made at the time the first of those claims is made against any insured. Exclusions This insurance does not apply to A. Bodily injury property damage or personal and advertising injury B. Any claim or suit arising out of any dishon est fraudulent criminal or malicious act C. Any claim or suit arising out of discrimina tion or humiliation D. Any claim or suit arising out of an insurer s or other provider s failure to perform its con tract E. Anyclaim or suit arising out of your failure to comply with any workers compensation un employment insurance social security disabil ity benefits law or similar laws F. Any claim or suit arising out of the failure of any of your employee benefit plans to meet obligations due to insufficient funds G. Anyclaim or suit arising out of 1 Advice given to any person to participate or not participate in a plan or program in cluded in employee benefit programs 2 The appointment of or failure to appoint any investment manager administrator trustee actuary advisor counsel account ant custodian or consultant U GL849 B CW 804 Pagel of 4 | 2 |
3 Any investment activity including the man agement administration or disposition of assets of your employee benefit pro grams or 4 Failure of any investment to perform as represented by any insured. H. Any claim or suit arising out of an insured s liability as a fiduciary under a. The Employee Retirement Income Secu rity Act of 1974 PL93 406 and its amendments or b. The Internal Revenue Code of 1986 in cluding the Internal Revenue Code of 1954 and its amendments. Supple mentary Payments We will pay in addition to the applicable Limits of Insurance with respect to any claim we investi gate or settle or A. All expenses incurred by us all costs taxed against the insured in any suit defended by us and all interest on the full amount of any judgment which accrues after entry of the judgment and before we have paid or tendered or deposited in court that part of the judgment which does not exceed the limit of our insur ance. B. Premiums on appeal bonds required and on bonds to release attachments in any suit. We do not have to furnish these bonds. C. All reasonable expenses incurred by the in sured at our request to assist us in the investi gation or defense of the claim or suit in cluding actual loss of earnings up to 250 a day because of time off from work. D. Prejudgment interest awarded against the in sured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance we will not pay any prejudgment in terest based on that period of time after the of fer. Limits of Insurance The Limits of Insurance shown in the Declarations and the rules below establish the most we will pay regardless of the number of a 2 Claims made or suits brought or Insureds 3 Employees or dependents or beneficiarics of employees making claims or bringing suits The Aggregate Limit is the most we will pay for all damages because of all claims or suits arising from the administration of your employee benefit programs during the policy period. C. Subject to the Aggregate Limit provisions in B. above the Each Claim Limit is the most we will pay for all damages sustained by any one em ployee including the employee s dependents and beneficiaries because of acts errors or omissions committed in the administration of your em ployee benefit programs.. The limits of this Coverage Part apply separately to each consecutive annual period and to any remain ing period of less than 12 months starting with the beginning of the policy period shown in the Dec rations unless the policy period is extended after is suance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for pur poses of determining the Limits of Insurance. IL Conditions A. Bankruptcy Bankruptey or insolvency of the insured or the in sured s estate will not relieve us of our obligations. Duties in the Event of an Act Error Omission Claim or Suit 1 Regardless of whether the loss exceeds any ap plicable deductible amount you mus that we are notified as soon as practicable of any act error or omission which may result in a claim. To the extent possible notice should include a. How when and where the act error or omi n took place b. The names and addresses of any injured employee dependents or beneficiaries of any employee and witnes Notice of an act error or omission is not notice of a claim. 2 If a claim is received by any insured you must a. Immediately record the specifics of the claim and the date received and b Notify us as soon as practicable. You must see to it that we receive written no tice of the claim as soon as practicable. 3 You and any other involved insured must a. Immediately send us copies of any de mands notices summonses or legal papers received in connection with the claim or suit b. Authorize us to obtain records and other information U GL849 B CW 804 Page 20f 4 | 2 |
. Cooperate with us in the investigation set tlement or defense of the claim or suit and d. Assist us upon our request in the en forcement of any right against any person or organization which may be liable to the insured because of injury to which this in surance may also apply. 4 No insureds will except at their own cost vol untarily make a payment assume any obliga tion or incur any expense without our consent. Legal Action Against Us No person or organization has a right 1 To join us as a party or otherwise bring us into a suit asking for damages from an insured or 2 To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured obtained after an actual trial but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under this Cov erage Part our obligations are limited as follows 1 Primary Insurance T rance is primary except when 2. below applies. If this insurance is primary our obli gations are not affected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method de scribed in 3. below. 2 Excess Insurance This insurance is excess over any other insur ance whether primary excess contingent or on any other basis that is effective prior to the be ginning of the policy period shown in the Dec larations of this insurance and applies to an act on on other than a claims made a. No Retroactive Date is shown in the Dec larations of this insurance or b. The other insurance has a policy period which continues after the Retroactive Date if any shown in the Declarations of this insurance. When this insurance is excess we will have no duty to defend any claim or suit that any other insurer has a duty to defend. If no other insurer defends we will undertake to do so but we will be entitled to the insured s rights against all those other insurers. When this insurance is excess over other insur ance we will pay only our share of the amount of the loss if any that exceeds the sum of i. The total amount that all such other insur ance would pay for the loss in the absence of this insurance and ii. The total of all deductible and self insured amounts under all that other insurance. We will share the remaining loss if any with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. 3 Method of Sharing If all of the other insurance permits contribu tion by equal shares we will follow this method also. Under this approach each insurer con tributes equal amounts until it has paid its ap plicable limit of insurance or none of the los remains whichever comes first. If any of the other insurance does not permit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. E. Separation of Insureds Except with respect to the Limits of Insurance and any rights or duties specifically assigned in thi Coverage Part to the first Named Insured this in surance applies 1 As if each Named Insured were Named Insured and the only 2 Separately to each insured against whom claim is made or suit is brought. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we made under this Coverage Part those rights are transferred to us. The insured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. 1V. Definitions U GL849 B CW 804 Page3of 4 | 2 |
G. H. Advertisement means a notice that is broadcast or published to the general public or specific market segments about your goods products or services for the purpose of attracting customers or supporters. For the purposes of this definition 1 Notices that are published include material placed on the Internet or on similar electronic means of communication and 2 Regarding web sites only that part of a web site that is about your goods products or ser vices for the purposes of attracting customers or supporters is considered an advertise ment. Administration meas 1 Counseling employees including their de pendents and beneficiaries with respect to employee benefit programs 2 Handling records in connection with employee benefit programs or 3 Effecting or terminating an employee s par ticipation in a plan included in employee benefit programs. Bodily injury means bodily injury sickness or dis ease sustained by a person including death result ing from any of these at any time. Claim means The receipt by you of a demand for money or vices which alleges an act error or omission in the administration of your employee benefit pro grams Coverage territory means 1 The United States of America including its territories and possessions Puerto Rico and Canada or 2 All parts of the world if the insured s respon sibility to pay damages is determined in a suit on the merits in the territory described in E. 1. above or in a settlement to which we agree. Employee means Your officers and employees whether actively em ployed. disabled or retired. Employee benefit programs mean Group life insurance group accident or health in surance profit sharing plans pension plans em ployee stock subscription plans workers compensa tion unemployment insurance salary continuation plans social security disability benefits insurance savings plans vacation plans or any other similar plans or programs. Insured means You and any of your partners executive officers di rectors members stockholders or employees provided such employee is authorized to act in the administration of your employee benefit pro grams. Personal and advertising injury means Injury including consequential bodily injury aris ing out of one or more of the following offense 1 Fals 2 Malicious prosecution arrest detention or impr sonment 3 The wrongful eviction from wrongful entry into or invasion of the right of private occupancy of a room dwelling or premises that a person oc cupies by or on behalf of its owner landlord or lessor 4 Oral or written publication in any manner of material that slanders or libels a person or or ganization or disparages a person s or organi zation s goods products or services or 5 Oral or written publication in any manner of material that violates a person s right of pri vacy 6 The use of another s advertising idea in your advertisement or 7 Infringing upon another s copyright trade dress or slogan in your advertisement. Property damage means 1 Physical injury to tangible property including all resulting loss of use of that property. 2 Loss of use of tangible property that is not physically injured. For the purposes of this insurance electronic data is not tangible property. As used in this definition electronic data means in formation facts or programs stored as or on cre ated or used on or transmitted to or from computer software including systems and applications soft ware hard or floppy disks CD ROMS tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. Suit means A civil proceeding in which damages to which this insurance applies is alleged. Suit includes 1 An arbitration proceeding in which such dam ages are claimed and to which you must submit or do submit with our consent or 2 Any other alternative dispute resolution pro ceeding in which such damages are claimed and to which you submit with our consent. U GL849 B CW 804 Page dof 4 | 2 |
Fellow Employee Coverage Endorsement Policy No. EIf. Date of Pol. Exp. Date of Pol EIf. Date of End. Producer Addl Prem Return Prem. GLO 5833581 06 10012018 10012019 37385000 S INCL S THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part 1. Itis agreed that paragraph 2.. 1 of SECTION II WHO IS AN INSURED is deleted and replaced by the following 1 Bodily injury or personal and advertising injury a To you to your partners or members if you are a partnership or joint venture to your members if you are a limited liability company b For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph 1 a above or Arising out of his or her providing or failing to provide professional health care services. U GL915 C CW 804 Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission | 2 |
Waiver Of Subrogation Blanket Endorsement Policy No. EIf. Date of Pol. Exp. Date of Pol EIf. Date of End. Producer Addl Prem Return Prem. GLO 5833581 06 10012018 10012019 37385000 S INCL S THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part The following is added to the Transfer Of Rights Of Recovery Against Others To Us Condition If you are required by a written contract or agreement which is executed before a loss to waive your rights of recovery from others we agree to waive our rights of recovery. This waiver of rights shall not be construed to be a waiver with respect to any other operations in which the insured has no contractual interest. U GL925 B CW 1201 Page I of 1 | 2 |
COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS Policy Number GLO 5833581 06 ZURICH AMERICAN INSURANCE COMPANY Named Insured KENNEDY JENKS CONSULTANTS Policy Period Coverage begins 10 01 2018 at1201 AM. Coverageends 10 01 2019 at1201AM. Producer Name LOCKTON COMPANIES LLC Producer No. 37385 000 Item 1. Business Description Item 2. Limits of Insurance GENERAL AGGREGATE LIMIT 2000000 PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT 2000000 EACH OCCURRENCE LIMIT 1000000 DAMAGE TO PREMISES RENTED TO YOU LIMIT 1000000 Any one premises MEDICAL EXPENSE LIMIT 10000 Any one person PERSONAL AND ADVERTISING INJURY LIMIT 1000000 Any one person or organization Item 3. Retroactive Date CG 00 02 ONLY This insurance does not apply to bodily injury property damage or personal and advertising injury offense which occurs before the Retroactive Date if any shown here NONE Enter Date or None if no Retroactive Date applies Item 4. Form of Business and Location Premises Form of Business CORPORATION Location of All Premises You Own Rent or Occupy See Schedule of Locations Item 5. Schedule of Forms and Endorsements Forms and Endorsements made a part of this Policy at time of issue See Schedule of Forms and Endorsements Item 6. Premiums Coverage Part Premium 67870.00 Other Premium Total Premi 70.00 COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS Policy Number GLO 5833581 06 ZURICH AMERICAN INSURANCE COMPANY Named Insured KENNEDY JENKS CONSULTANTS Policy Period Coverage begins 10 01 2018 at1201 AM. Coverageends 10 01 2019 at1201AM. ENERAL AGGREGATE LIMIT ENERAL AGGREGATE LIMIT 2000000 RODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT 2000000 ACH OCCURRENCE LIMIT 1000000 DAMAGE TO PREMISES RENTED TO YOU LIMIT 1000000 Any one premises MEDICAL EXPENSE LIMIT 10000 Any one person ERSONAL AND ADVERTISING INJURY LIMIT 1000000 Any one person or organization 1000000 Any one premises 10000 Any one person 1000000 Any one person or organization U GLD1115 8 CW 904 | 2 |
EMPLOYEE BENEFIT LIABILITY COVERAGE PART CLAIMS MADE DECLARATIONS Policy Number GLO 5833581 06 Named Insured KENNEDY JENKS CONSULTANTS Policy Period Coverage begins 10 01 2018 at1201 AnM Coverage ends 10 01 2019 at1201AM Producer Name LOCKTON COMPANIES LLC Producer No. 37385 000 Item 1. Limits of Insurance 2000000 Aggregate Limit 1000000 Each Claim Limit Iltem 2. Form of Business Individual Parnership Joint Venture X Corporation Other Item 3. Premium Schedule Code No. Premium Basis Rate Advance Premium Estimated Number of Employees 92100 506 INCL Per Employee INCL INCL Flat Charge INCL Total Advance Premium For This Coverage Part INCL Audit Period X Annual Semi annual Quarterly Monthly Forms And Endorsements Applicable To This Coverage Part SEE SCHEDULE OF FORMS AND ENDORSEMENTS Joint Venture X Corporation Advance Premium Retroactive Date 8212018 Enter date or None if no Retroactive Date applies This insurance does not apply to damages caused by an act error or omission which occurred before the Retroac tive Date if any shown above. U GL D849 B CW 904 Pagel of 1 | 2 |
Z ZURICH Limited Coverage For Insured s Interest In Wrap Up Or Consolidated Insurance Program Policy No. ET. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer No. Addl. Prem Return Prem. GLO 5833581 06 10012018 10012019 37385000 INCL THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability and Paragraph 2. Exclusions of Coverage B Personal And Advertising Injury Liability Wrap Up Consolidated Insurance Program Projects This insurance does not apply to bodily injury property damage or personal and advertising injury arising out of either your ongoing operations or the products completed operations hazard at or from any wrap up or other consolidated insurance program projects for which insurance is otherwise separately provided to you by a wrap up or other consolidated insurance program except as follows A. This insurance coverage will pay on your behalf any wrap up or other consolidated insurance program related claims or defend any such suits covered by this policy but we will have no duty to pay such claims or defend suits until after 1. All separate wrap up or other consolidated insurance program insurers have paid the full amount of the Limits of Insurance of all their policies providing coverage for the wrap up or other consolidated insurance program projects in settlement of claims or suits and 2. You have paid any applicable deductibles or self insured retentions for which you are responsible to pay in the separate wrap up or other consolidated insurance program providing coverage for the wrap up or other consolidated insurance program projects B. If this insurance provides broader coverage for any exposures at or from a wrap up or other consolidated insurance program projects and such broader coverage is not provided by a separate wrap up or other consolidated insurance program coverage then this policy will provide primary coverage as respects those exposures. The exception coverage provided in paragraphs A. and B. of this endorsement will not inure to the benefit of any other party except you. With regard to the exception coverage provided in paragraph L.A. above this insurance is excess over any and all other insurance provided to the wrap up or other consolidated insurance program projects whether that other insurance is primary excess contingent or on any other basis. As respects any claims or suits arising at or from a wrap up or other consolidated insurance program projects for which this exception coverage may apply any existing provisions of Condition 4. Other Insurance that may be contrary to the provisions of this endorsement are amended to comply with the changes in coverage as stipulated in Sections I. and II. above. All other terms and conditions of your Policy remain unchanged. U GL1378 A CW 0309 Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY CG 00010413 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the company providing this insurance. The word insured means any person or organization qualifying as such under Section I Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V Definitions. SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for bodily injury or property damage to which this insurance does not apply. We may at our discretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicity provided for under Supplementary Payments Coverages A and B. b. This insurance applies to bodily injury and property damage only if 1 The bodily injury or property damage is caused by an occurrence that takes place in the coverage territory 2 The pbodily injury or property damage occurs during the policy period and Prior to the policy period no insured listed under Paragraph 1. of Section Il Who Is An Insured and no employee authorized by you to give or receive notice of an occurrence or claim knew that the bodily injury or property damage had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy period that the bodily injury or property damage occurred then any continuation change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period. c. Bodily injury or property damage which occurs during the policy period and was not prior to the policy period known to have occurred by any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim includes any continuation change or resumption of that bodily injury or property damage after the end of the policy period. 3 d. Bodily injury or property damage will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim 1 Reports all or any part of the bodily injury or property damage to us or any other insurer 2 Receives a written or verbal demand or claim for damages because of the bodily injury or property damage or 3 Becomes aware by any other means that bodily injury or property damage has occurred or has begun to occur. e. Damages because of bodily injury include damages claimed by any person or organization for care loss of services or death resulting at any time from the bodily injury. his policy restrict coverage. arefully to determine rights 10 t covered. e words you and your refer own in the Declarations and lization qualifying as a Named y. The words we us and providing this insurance. s any person or organization r Section Il Who Is An es that appear in quotation ning. Refer to Section V s INJURY AND PROPERTY ums that the insured becomes pay as damages because of roperty damage to which this We will have the right and e insured against any suit 1aaes. However. we will have 2 2 CG 00010413 Insurance Services Office Inc. 2012 Page 1 of 16 | 0 |
2. Exclusions This insurance does not apply to a. Expected Or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property. b. Contractual Liability Bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages 1 That the insured would have in the absence of the contract or agreement or 2 Assumed in a contract or agreement that is an insured contract provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an insured contract reasonable attorneys fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of bodily injury or property damage provided a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and b Such attorneys fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability Bodily injury or property damage for which any insured may be held liable by reason of 1 Causing or contributing to the intoxication of any person 2 The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol or 3 Any statute ordinance or regulation relating to the sale gift distribution or use of alcoholic beverages. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supervision hiring employment training or monitoring of others by that insured or b Providing or falling to provide transportation with respect to any person that may be under the influence of alcohol if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraph 1 2 or 3 above. However this exclusion applies only if you are in the business of manufacturing distributing selling serving or furnishing alcoholic beverages. For the purposes of this exclusion permitting a person to bring alcoholic beverages on your premises for consumption on your premises whether or not a fee is charged or a license is required for such activity is not by itself considered the business of selling serving or furnishing alcoholic beverages.. Workers Compensation And Similar Laws Any obligation of the insured under a workers compensation disability benefits or unemployment compensation law or any similar law.. Employer s Liability Bodily injury to 1 An employee of the insured arising out of and in the course of a Employment by the insured or b Performing duties related to the conduct of the insured s business or 2 The spouse child parent brother or sister of that employee as a consequence of Paragraph 1 above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an insured contract. Page 2 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
. Pollution 1 Bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants a At or from any premises site or location iil which is or was at any time owned or occupied by or rented or loaned to any insured. However this subparagraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot produced by or originating from equipment that is used to heat cool or dehumidify the building or equipment that is used to heat water for personal use by the building s occupants or their guests i Bodily injury or property damage for which you may be held liable if you are a contractor and the owner or lessee of such premises site or location has been added to your policy as an additional insured with respect to your ongoing operations performed for that additional insured at that premises site or location and such premises site or location is not and never was owned or occupied by or rented or loaned to any insured other than that additional insured or Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire b At or from any premises site or location c which is or was at any time used by or for any insured or others for the handling storage disposal processing or treatment of waste Which are or were at any time transported handled stored treated disposed of or processed as waste by or for i Any insured or ii Any person or organization for whom you may be legally responsible or d At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the pollutants are brought on or to the premises site or location in connection with such operations by such insured contractor or subcontractor. However this subparagraph does not apply to i Bodily injury or property damage arising out of the escape of fuels lubricants or other operating fluids which are needed to perform the normal electrical hydraulic or mechanical functions necessary for the operation of mobile equipment or its parts if such fuels lubricants or other operating fluids escape from a vehicle part designed to hold store or receive them. This exception does not apply if the bodily injury or property damage arises out of the intentional discharge dispersal or release of the fuels lubricants or other operating fluids or if such fuels lubricants or other operating fluids are brought on or to the premises site or location with the intent that they be discharged dispersed or released as part of the operations being performed by such insured contractor or subcontractor i Bodily injury or property damage sustained within a building and caused by the release of gases fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor or Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire. e At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants. CG 00010413 Insurance Services Office Inc. 2012 Page 3 of 16 | 1 |
2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or b Claim or suit by or on behalf of a governmental authority for damages because of testing for monitori cleaning up removing contai treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. However this paragraph does not apply to liability for damages because of property damage that the insured would have in the absence of such request demand order or statutory or regulatory requirement or such claim or suit by or on behalf of a governmental authority. g. Aircraft Auto Or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 26 feet long and b Not being used to carry persons or property for a charge 3 Parking an auto on or on the ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured 4 Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft or 5 Bodily injury or property damage arising out of a The operation of machinery or equipment that is attached to or part of a land vehicle that would qualify under the definition of mobile equipment if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged or b The operation of any of the machinery or equipment listed in Paragraph.2 or.3 of the definition of mobile equipment. h. Mobile Equipment Bodily injury or property damage arising out of 1 The transportation of mobile equipment by an auto owned or operated by or rented or loaned to any insured or 2 The use of mobile equipment in or while in practice for or while being prepared for any prearranged racing speed demolition or stunting activity. i. War Bodily injury or property damage however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. j Damage To Property Property damage to 1 Property you own rent or occupy including any costs or expenses incurred by you or any other person organization or entity for repair replacement enhancement restoration or maintenance of such property for any reason including prevention of injury to a person or damage to another s property 2 Premises you sell give away or abandon if the property damage arises out of any part of those premises 3 Property loaned to you 3 Page 4 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
4 Personal property in the care custody or control of the insured 5 That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations if the property damage arises out of those operations or 6 That particular part of any property that must be restored repaired or replaced because your work was incorrectly performed on it. Paragraphs 1 3 and 4 of this exclusion do not apply to property damage other than damage by fire to premises including the contents of such premises rented to you for a period of seven or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section Il Limits Of Insurance. Paragraph 2 of this exclusion does not apply if the premises are your work and were never occupied rented or held for rental by you. Paragraphs 3 4 5 and 6 of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph 6 of this exclusion does not apply to property damage included in the products completed operations hazard. Damage To Your Product Property damage to your product arising out of it or any part of it.. Damage To Your Work Property damage to your work arising out of it or any part of it and included in the products completed operations hazard. This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor.. Damage To Impaired Property Or Property Not Physically Injured Property damage to impaired property or property that has not been physically injured arising out of 1 A defect deficiency inadequacy or dangerous condition in your product or your work or 2 A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms.. Personal And Advel This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to your product or your work after it has been put to its intended use.. Recall Of Products Work Or Impaired Property Damages claimed for any loss cost or expense incurred by you or others for the loss of use withdrawal recall inspection repair replacement adjustment removal or disposal of 1 Your product 2 Your work or 3 lmpaired property if such product work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect deficiency inadequacy or dangerous condition in it. ing Injury Bodily injury arising out of personal and advertising injury.. Electronic Data Damages arising out of the loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. However this exclusion does not apply to liability for damages because of bodily injury. As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMSs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment.. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or usion does not apply to ded in the products ard. ur product arising out ir work arising out of it luded in the products ard. apply if the damaged CG 00010413 Insurance Services Office Inc. 2012 Page 5 of 16 | 1 |
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